Toyota 4Runner Insurance Cost in Kentucky
Insuring a Toyota 4Runner in Kentucky costs about $1,090 a year ($91/month) for full coverage by our estimate — −16% versus the same car nationally — the 20th cheapest of 51 states for this model.
Toyota 4Runner insurance in Kentucky at a glance
The Toyota 4Runner is 19% cheaper than the average vehicle to insure in Kentucky, reflecting HLDI collision losses of 74 and comprehensive losses of 73 (100 = average). Kentucky's own base rates are 18% lower than the national average, which carries through to every model.
Kentucky factors that affect 4Runner premiums
- Uninsured drivers: 14.1% of Kentucky drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 4Runner.
- Theft: 192 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Kentucky's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: Choice no-fault, with required personal injury protection.
Toyota 4Runner insurance cost in Kentucky cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Louisville | $1,205 | $510 | +11% |
| Lexington | $1,145 | $480 | +5% |
| Bowling Green | $1,135 | $480 | +4% |
| Owensboro | $1,155 | $485 | +6% |
| Covington | $1,210 | $510 | +11% |
| Georgetown | $1,185 | $500 | +9% |
| Richmond | $1,190 | $500 | +9% |
| Elizabethtown | $1,135 | $480 | +4% |
Toyota 4Runner insurance in Kentucky by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,265 | $1,835 | $3,000 | $250 |
| Young adult (22) | $735 | $1,065 | $1,745 | $145 |
| Adult in their 30s | $460 | $665 | $1,090 | $91 |
| Adult in their 50s | $425 | $615 | $1,005 | $84 |
| Senior (72) | $515 | $745 | $1,225 | $102 |
| 30s, one at-fault accident | $665 | $965 | $1,585 | $132 |
| 30s, DUI on record | $850 | $1,235 | $2,020 | $168 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $460 | $38 | $375–$545 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $665 | $56 | $545–$785 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,090 | $91 | $895–$1,290 |
Kentucky minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Kentucky
| Model | Full coverage in KY | vs. 4Runner |
|---|---|---|
| Jeep Wrangler | $1,145 | +5% |
| Tesla Model Y | $1,255 | +15% |
| Honda Pilot | $1,000 | −8% |
| Ford Bronco | $1,080 | −1% |
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Frequently asked questions
How much is Toyota 4Runner insurance in Kentucky?
About $1,090 a year ($91 a month) for full coverage and $460 for Kentucky's minimum liability, for a driver in their 30s with a clean record. That is 16% less than the national estimate for the same car.
Is the Toyota 4Runner cheaper to insure than the average car in Kentucky?
The average vehicle in Kentucky is about $1,340 a year for full coverage in our model, so the Toyota 4Runner is 19% cheaper than average.
Where in Kentucky is Toyota 4Runner insurance cheapest?
Among the largest Kentucky cities, Bowling Green has the lowest estimate (about $1,135) and Covington the highest (about $1,210).
What insurance do I need for a Toyota 4Runner in Kentucky?
Kentucky requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Kentucky Transportation Cabinet (DRIVE): Mandatory Insurance
- KRS 304.39-060 (acceptance or rejection of partial abolition of tort liability)
- Kentucky Department of Insurance: No Fault Rejection/Verification (PIP)
- Kentucky Department of Insurance: Personal auto guide
- Kentucky Department of Insurance: Consumer Protection
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey