Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach?

Finding affordable auto insurance for a Toyota 4Runner in California is dependent upon a whole bunch of rating criteria such as your financial responsibility, whether or not you have prior claims, and blemishes on your driving record. Drivers in California will pay on average $882 a year to insure their 4Runner, but that is a valuation calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even male, single instead of married, or maybe you prefer higher deductibles. There is no one cookie-cutter policy that works for everyone, so the best method for finding the most affordable coverage for your Toyota is to do your own rate comparisons. It takes less than five minutes and you can get rates from top-rated car insurance companies that sell coverage in California.

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The specific model of 4Runner tends to have a direct impact on the annual cost of coverage, so the cost to insure a 4Runner Sport 2WD trim level will be $130 cheaper than the insurance cost for the high end 4Runner Limited 4WD model, as shown below.

Toyota 4Runner Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $186 $252 $360 $22 $108 $928 $77
4Runner SR/5 2WD $186 $308 $360 $22 $108 $984 $82
4Runner Sport 4WD $186 $308 $360 $22 $108 $984 $82
4Runner SR/5 4WD $186 $308 $360 $22 $108 $984 $82
4Runner Trail Edition 4WD $206 $362 $360 $22 $108 $1,058 $88
4Runner Limited 2WD $206 $362 $360 $22 $108 $1,058 $88
4Runner Limited 4WD $206 $362 $360 $22 $108 $1,058 $88
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices considerably.

Buying coverage from a high-quality insurer can be difficult considering how many companies provide coverage in Long Beach. The rank data listed below may help you decide which coverage providers to look at when comparing rates.

These rankings are only made up of large nationwide companies, so companies with more of a regional focus will not be included in the list. If you would like to check rates from these and other companies in California, click here.

Long Beach, CA Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Safe drivers pay less for auto insurance

The recommended way to get affordable auto insurance premiums for a 4Runner is to pay attention while driving and maintain a clean driving record. The illustration below illustrates how speeding tickets and accident claims drive up annual premium costs for different age categories. The costs are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of an auto insurance policy in Long Beach per year with no accidents or violations is $2,189. Add in two speeding tickets and the average cost swells to $2,897, an increase of $708 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Toyota 4Runner goes up to an average of $5,584. That’s an increase of $3,395, or $283 per month, just for not maintaining a clean driving record!

The importance of shopping around

California auto insurance rates are based on many factors which can substantially decrease or increase the price of coverage. Simply having another birthday, moving across town, or getting caught speeding may generate price changes that can now make some companies more affordable than others.

In addition to those changes, car insurance companies change rates every year in order to remain profitable. Higher than normal claims may cause more expensive prices, while a better claims history can produce lower-priced 4Runner insurance rates.

The graph below shows the companies that have the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we estimate prices based on his current rating profile, USAA may have the most affordable car insurance rates in Long Beach at $1,440 a year. This is $211 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the best Long Beach, CA auto insurance companies.

Now we will pretend the driver from the first rate comparison an at-fault accident, poor credit, and a couple of points charged on his driving record. Because every insurance company has their own unique process to establish rates, comparing rates may result in a new list of the cheapest car insurance companies in Long Beach as shown below.

Grange now has the best car insurance rate in Long Beach, CA with Mercury, GEICO, Progressive, and Allstate now rounding out the top five. This demonstrates why it is crucial to compare many different companies when trying to get the lowest insurance quotes for a Toyota 4Runner. Insurance rates are calculated by many different factors and can change substantially, so the best price a year ago may now be quite expensive.

If you like to have the advice of a professional agent when shopping around for cheaper insurance for a 4Runner, the agents shown below can help you decide which coverages and limits you need.

To locate a Long Beach car insurance agency close to you, click the button following the list or click here to compare price quotes now.

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