Who Has Affordable Car Insurance for a Toyota 4Runner in Buffalo?

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Toyota 4Runner insurance policy
Toyota 4Runner insurance policy image courtesy of QuoteInspector.com

Finding the best cheap car insurance for a Toyota 4Runner depends on a large number of factors such as the safety rating of your vehicle, where your vehicle is garaged, and citations or violations on your driving record. Drivers in New York pay approximately $607 each year to insure their 4Runner, but that price is an approximation calculated using a 50-year-old married male driver with full coverage and $500 deductibles.

When projecting a rate like this, the problem is that you may not be 50 years old (or even male), you might be single instead of married, or maybe you're a renter instead of a homeowner. This shows why the only way to find affordable rates for your Toyota is to do a thorough rate comparison. Quotes are free and easy and you will get price quotes from some of the cheapest companies that offer coverage in New York.

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The trim level of your 4Runner tends to have a direct impact on the yearly cost, so the price you will be charged to insure a 4Runner Sport 2WD will be $102 less expensive the cost to insure the higher-priced 4Runner Limited 4WD trim level, as shown in the chart below.

Toyota 4Runner Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $146 $194 $216 $12 $64 $632 $53
4Runner SR/5 2WD $146 $236 $216 $12 $64 $674 $56
4Runner Sport 4WD $146 $236 $216 $12 $64 $674 $56
4Runner SR/5 4WD $146 $236 $216 $12 $64 $674 $56
4Runner Trail Edition 4WD $164 $278 $216 $12 $64 $734 $61
4Runner Limited 2WD $164 $278 $216 $12 $64 $734 $61
4Runner Limited 4WD $164 $278 $216 $12 $64 $734 $61
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can revise rates substantially.

Choosing the top auto insurance provider can be rather challenging considering how many companies there are to choose from in Buffalo. The information displayed below can help you decide which companies you want to consider comparing prices from. The rankings below only include the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into this list.

Best Ten Auto Insurance Companies for a Toyota 4Runner in Buffalo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
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Data Source: Insure.com Best Car Insurance Companies

Accidents and violations increase rates

In a perfect world, the best way to earn cheap auto insurance rates in Buffalo for a 4Runner is to be a cautious driver and have a clean driving record. The example below demonstrates how speeding tickets and accident claims raise insurance rates for different age groups. The data is based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the previous example, the average cost of a car insurance policy in Buffalo per year with a clean driving record and no accidents is $1,494. Add in two speeding tickets and the average cost jumps to $2,009, an increase of $515 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota 4Runner goes up to an average of $2,516. That's an increase of $1,022, or $85 per month, just for not driving attentively!

Why you should compare rates

Buffalo, NY auto insurance rates are impacted by many factors that can increase the cost of a policy. Improving your credit rating, buying a different vehicle, or getting a driving violation may prompt premium changes that may make certain companies more affordable than others.

Not only may things change on your end, but companies file new New York car insurance rates as often as every three months to help ensure profitability. Higher than usual claims can cause price increases, while profitable underwriting may produce cheaper 4Runner insurance rates.

The data below demonstrates which company has the cheapest car insurance in Buffalo, NY for a 45-year-old male driver with a clear driving record, no claims, and good credit. If we compare prices based on his current risk factors, USAA quotes the most affordable car insurance rates in Buffalo at $1,974 a year. This is $101 less than the average premium paid by New York drivers of $2,075. Erie, Utica National, Travelers, and Progressive are the remainder of the best Buffalo, NY auto insurance companies.

Now we will pretend the driver from the above example a couple of claims, a lower credit score, and a couple of points charged on his driving record. Because each insurer has their own formula for determining rates, analyzing rates could now result in a completely different list of companies as shown below.

Allstate now has the cheapest price in Buffalo with Amica, Erie, Preferred Mutual, and New York Central Mutual now being in the top five. This example shows why it is crucial to take the time to shop around to get affordable insurance quotes for a Toyota 4Runner. Prices are determined by many factors and change frequently, so the best option a year ago may now be priced much higher than other options.