Toyota 4Runner Insurance in Arkansas
Rates from $40 – $66/mo minimum coverage, $155 – $259/mo full coverage. Compare top AR carriers below.
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Updated June 2026 · Source: Arkansas DOI + IQ rate model
Average monthly premium — 2024 Toyota 4Runner, Arkansas
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Toyota 4Runner drivers in Arkansas
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Toyota 4Runner insurance costs what it does in Arkansas
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Arkansas requires 25/50/25 liability minimums. Severe-weather catastrophic losses are a top-10 driver of comprehensive premiums nationally. Rural single-vehicle accident rate is elevated vs the US average.
Frequently asked questions
01How much is Toyota 4Runner insurance in Arkansas?
Arkansas drivers of a 2024 Toyota 4Runner pay about $155 – $259 per month for full coverage, or roughly $40 – $66 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed 4Runner?
Yes. If your 4Runner has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Arkansas law itself only requires the state liability minimums (25/50/25), but the lender's contract overrides that.
03What's the cheapest carrier for a 4Runner in Arkansas?
Cheapest varies by driver profile, but in Arkansas the major carriers most often quoting the lowest premiums for a 4Runner are GEICO, Progressive, and State Farm. Regional carriers (Shelter and Farm Bureau) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does Arkansas require SR-22 after a DUI for a 4Runner?
After a DUI, Arkansas requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a 4Runner typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.