Estimates, not quotes

Tesla Model Y vs Toyota 4Runner Insurance Cost

The Toyota 4Runner is cheaper to insure by about $210 a year for full coverage by our estimate ($1,505 vs. $1,295), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageTesla Model YToyota 4RunnerDifference
State minimum$530$535−$5
Standard (100/300/100)$770$775−$5
Full coverage$1,505$1,295+$210

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Model Y minus 4Runner.

Why one costs more to insure

FactorTesla Model YToyota 4Runner
SegmentMidsize SUVMidsize SUV
PowertrainsElectricGasoline, Hybrid
HLDI collision (100 = avg)11874
HLDI comprehensive7773
HLDI property damage liability8288
HLDI bodily injury liability8376
NHTSA overall rating5★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)104

Collision losses are the biggest swing factor: the Tesla Model Y has 44 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model Y vs 4Runner insurance by state

StateModel Y4RunnerDifference
Alabama$1,325$1,120+$205
Alaska$1,335$1,130+$205
Arizona$1,560$1,360+$200
Arkansas$1,345$1,125+$220
California$1,520$1,255+$265
Colorado$1,675$1,465+$210
Connecticut$1,590$1,385+$205
Delaware$1,645$1,465+$180
District of Columbia$1,920$1,625+$295
Florida$2,085$1,880+$205
Georgia$1,830$1,620+$210
Hawaii$1,065$885+$180
Idaho$1,025$875+$150
Illinois$1,315$1,115+$200
Indiana$1,075$915+$160
Iowa$1,020$865+$155
Kansas$1,195$1,025+$170
Kentucky$1,255$1,090+$165
Louisiana$2,060$1,795+$265
Maine$970$820+$150
Maryland$1,685$1,455+$230
Massachusetts$1,495$1,270+$225
Michigan$1,655$1,405+$250
Minnesota$1,245$1,075+$170
Mississippi$1,435$1,230+$205
Missouri$1,355$1,170+$185
Montana$1,190$1,020+$170
Nebraska$1,200$1,025+$175
Nevada$1,690$1,510+$180
New Hampshire$1,090$915+$175
New Jersey$1,790$1,575+$215
New Mexico$1,350$1,155+$195
New York$1,990$1,755+$235
North Carolina$1,150$950+$200
North Dakota$970$815+$155
Ohio$1,085$920+$165
Oklahoma$1,355$1,155+$200
Oregon$1,330$1,175+$155
Pennsylvania$1,330$1,120+$210
Rhode Island$1,810$1,575+$235
South Carolina$1,570$1,395+$175
South Dakota$1,135$970+$165
Tennessee$1,265$1,065+$200
Texas$1,775$1,525+$250
Utah$1,350$1,185+$165
Vermont$1,005$830+$175
Virginia$1,295$1,110+$185
Washington$1,300$1,135+$165
West Virginia$1,260$1,070+$190
Wisconsin$1,025$880+$145
Wyoming$1,165$990+$175

By driver profile (full coverage)

DriverModel Y4Runner
Teen driver (18, own policy)$4,135$3,560
Young adult (22)$2,405$2,070
Adult in their 30s$1,505$1,295
Adult in their 50s$1,385$1,190
Senior (72)$1,685$1,450
30s, one at-fault accident$2,180$1,875
30s, DUI on record$2,780$2,395

More comparisons

Frequently asked questions

Is the Tesla Model Y or the Toyota 4Runner cheaper to insure?

By our estimate the Toyota 4Runner is cheaper, by about $210 a year for full coverage ($1,505 vs. $1,295) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model Y and Toyota 4Runner?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 74 and comprehensive indices of 77 vs. 73 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page