Toyota bZ4X Insurance Cost
Full coverage for a Toyota bZ4X costs about $1,420 a year ($118/month) by our estimate — ▼ −11% versus the average vehicle.
Toyota bZ4X insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2023–2025 model years of the Toyota bZ4X, which is no longer in production.
| 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. | $490 | $41 | $405–$580 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $715 | $59 | $585–$840 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,420 | $118 | $1,160–$1,675 |
What drives the cost of insuring a Toyota bZ4X
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota bZ4X's results put our vehicle factor at 0.80× for liability, 1.13× for collision and 1.05× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 115 | Worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 107 | Worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 72 | Much better than average | Damage this car does to other vehicles and property |
| Personal injury protection | 134 | Much worse than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Toyota BZ4X electric 4dr 4WD | 115 | 107 | 72 | — |
| Toyota BZ4X electric 4dr | 114 | 106 | 62 | — |
- Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 4 NHTSA recall campaigns and 49 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Toyota bZ4X trims and configurations (2025)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| bZ4X | FWD | Electric | 119 | 252 mi |
| bZ4X AWD (18inch Wheels) | AWD | Electric | 104 | 228 mi |
| bZ4X AWD (20inch Wheels) | AWD | Electric | 102 | 222 mi |
| bZ4X LIMITED | FWD | Electric | 112 | 236 mi |
| bZ4X LIMITED AWD | AWD | Electric | 102 | 222 mi |
Toyota bZ4X insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2025 | Electric | AWD, FWD | — | $1,420 |
| 2024 | Electric | AWD, FWD | — | $1,385 |
| 2023 | Electric | AWD, FWD | — | $1,350 |
Toyota bZ4X insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,250 | $385 | −12% |
| Alaska | $1,250 | $500 | −12% |
| Arizona | $1,480 | $530 | +4% |
| Arkansas | $1,280 | $360 | −10% |
| California | $1,410 | $460 | −1% |
| Colorado | $1,620 | $520 | +14% |
| Connecticut | $1,485 | $570 | +5% |
| Delaware | $1,540 | $640 | +8% |
| District of Columbia | $1,795 | $595 | +26% |
| Florida | $1,955 | $865 | +38% |
| Georgia | $1,715 | $700 | +21% |
| Hawaii | $990 | $350 | −30% |
| Idaho | $965 | $320 | −32% |
| Illinois | $1,240 | $400 | −13% |
| Indiana | $1,020 | $325 | −28% |
| Iowa | $995 | $250 | −30% |
| Kansas | $1,160 | $325 | −18% |
| Kentucky | $1,190 | $420 | −16% |
| Louisiana | $1,950 | $635 | +37% |
| Maine | $915 | $340 | −36% |
| Maryland | $1,580 | $605 | +11% |
| Massachusetts | $1,400 | $475 | −1% |
| Michigan | $1,555 | $615 | +10% |
| Minnesota | $1,200 | $375 | −15% |
| Mississippi | $1,375 | $425 | −3% |
| Missouri | $1,300 | $410 | −8% |
| Montana | $1,160 | $315 | −18% |
| Nebraska | $1,165 | $325 | −18% |
| Nevada | $1,575 | $695 | +11% |
| New Hampshire | $1,020 | $320 | −28% |
| New Jersey | $1,665 | $750 | +17% |
| New Mexico | $1,280 | $415 | −10% |
| New York | $1,865 | $745 | +31% |
| North Carolina | $1,085 | $360 | −24% |
| North Dakota | $945 | $220 | −33% |
| Ohio | $1,025 | $325 | −28% |
| Oklahoma | $1,305 | $380 | −8% |
| Oregon | $1,245 | $500 | −12% |
| Pennsylvania | $1,260 | $340 | −11% |
| Rhode Island | $1,685 | $655 | +19% |
| South Carolina | $1,490 | $585 | +5% |
| South Dakota | $1,135 | $250 | −20% |
| Tennessee | $1,195 | $360 | −16% |
| Texas | $1,700 | $555 | +20% |
| Utah | $1,265 | $525 | −11% |
| Vermont | $950 | $255 | −33% |
| Virginia | $1,220 | $500 | −14% |
| Washington | $1,215 | $470 | −14% |
| West Virginia | $1,210 | $350 | −15% |
| Wisconsin | $985 | $300 | −31% |
| Wyoming | $1,155 | $260 | −19% |
Toyota bZ4X insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,350 | $1,960 | $3,900 | $325 |
| Young adult (22) | $785 | $1,140 | $2,270 | $189 |
| Adult in their 30s | $490 | $715 | $1,420 | $118 |
| Adult in their 50s | $450 | $655 | $1,305 | $109 |
| Senior (72) | $550 | $800 | $1,590 | $133 |
| 30s, one at-fault accident | $715 | $1,035 | $2,055 | $171 |
| 30s, DUI on record | $910 | $1,320 | $2,625 | $219 |
Toyota bZ4X vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Toyota bZ4X | $1,420 | 115 | 107 | — |
| Honda CR-V | $1,200 | 63 | 65 | — |
| Subaru Forester | $1,140 | 64 | 84 | — |
| Mazda CX-5 | $1,325 | 80 | 71 | — |
Estimate Toyota bZ4X insurance for your ZIP code
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Other Toyota models
- bZ $1,545/yr
- C-HR $1,480/yr
- Corolla $1,705/yr
- GR86 $2,095/yr
- Land Cruiser $1,290/yr
- Prius $1,595/yr
- 4Runner $1,295/yr
- Camry $1,735/yr
- Corolla Cross $1,430/yr
- Crown $1,670/yr
- Crown Signia $1,505/yr
- GR Supra $1,920/yr
- Grand Highlander $1,305/yr
- Highlander $1,410/yr
- Mirai $2,450/yr
- RAV4 $1,285/yr
- Sequoia $1,515/yr
- Sienna $1,590/yr
- Tacoma $1,375/yr
- Tundra $1,515/yr
- Venza $1,455/yr
- Avalon $1,440/yr
- Prius c $1,365/yr
- Yaris $1,340/yr
- Prius v $1,225/yr
- FJ Cruiser $1,165/yr
- Matrix $1,245/yr
- Camry Solara $1,245/yr
- Celica $1,445/yr
- Echo $1,245/yr
Frequently asked questions
How much is insurance for a Toyota bZ4X?
We estimate about $1,420 a year ($118 a month) for full coverage and $490 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% less than the average vehicle.
Is the Toyota bZ4X expensive to insure?
HLDI insurance-loss data rates it at 115 for collision and 107 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.
Which state is cheapest to insure a Toyota bZ4X?
Maine has the lowest estimate (about $915 a year for full coverage) and Florida the highest (about $1,955).
What is the Toyota bZ4X's NHTSA safety rating?
The 2025 Toyota bZ4X earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Toyota bZ4X cheaper to insure than the Honda CR-V?
By our estimate the Toyota bZ4X costs about $1,420 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.
How much is Toyota bZ4X insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,900 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database