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Insurance Cost Comparison

DaMike13

TRD Pro
Well-known member
First Name
Miguel
Joined
Aug 14, 2025
Threads
3
Messages
45
Reaction score
22
Location
Beaverton, Oregon
Vehicle(s)
2018 WRX STI
My premium went up by $485 with progressive. Not too bad tbh and that’s in Oregon.
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Aeropooch

TRD Sport Premium
Member
First Name
Tyrone
Joined
Aug 30, 2025
Threads
0
Messages
13
Reaction score
7
Location
california
Vehicle(s)
2025 trd sport premium
I’m leasing at 15000 miles a year - pay $1492 a year for USAA insurance; TRD Sport premium
 

Nodak

Platinum
Well-known member
First Name
JR
Joined
Jan 22, 2025
Threads
65
Messages
2,728
Reaction score
1,548
Location
ND
Vehicle(s)
2026 4R Platinum Underground, 2025 4R Platinum Heritage Blue
update...

i pay $370 every 6 months on a 2014 4Runner Limited.

for the same coverage as i have now, it now jumps to $590 every 6 months for my incoming platinum
 

Ahmad310

Platinum
Well-known member
First Name
Ahmad
Joined
Jan 22, 2025
Threads
7
Messages
142
Reaction score
119
Location
Cincinnati, OH
Vehicle(s)
2025 4Runner Platinum
update...

i pay $370 every 6 months on a 2014 4Runner Limited.

for the same coverage as i have now, it now jumps to $590 every 6 months for my incoming platinum
Great rates! Who are you going through?
 

Nodak

Platinum
Well-known member
First Name
JR
Joined
Jan 22, 2025
Threads
65
Messages
2,728
Reaction score
1,548
Location
ND
Vehicle(s)
2026 4R Platinum Underground, 2025 4R Platinum Heritage Blue
Great rates! Who are you going through?
i go thru state farm, but i am outlier.

right now i am grandfathered into a $100/100 deductibles for collision and comp. state farm no longer offer those. i think now its 250 or 500 minimum deductibles (for me the cost between 100 and 250/500 is like $7 every 6 months, not really worth the hassle)

also have guaranteed renewal policy since i rarely have claims

plus i have house, and multiple life insurance policies.

so i get a pretty big multi line discount across the board.

plus i only do about 7500 miles/yrs or less (but too many trips from ND to GA kill my yearly average), almost 60, small state overall population
 

jspec_rnr

TRD Off-Road Premium
Active member
First Name
Jeff
Joined
Aug 8, 2025
Threads
0
Messages
27
Reaction score
21
Location
Alabama
Vehicle(s)
2025 4Runner TRD ORP
I'm with State Farm, went from at 22' TRD Pro to 25' TRD ORP (Gas). Mine went up $98/month to $123/month. For some reason, I thought it would be cheaper with all these new safety features these newer models have.
 

zgreen

TRD Pro
Well-known member
First Name
Zach
Joined
Feb 6, 2025
Threads
11
Messages
690
Reaction score
612
Location
Montana
Vehicle(s)
2025 4Runner TRDPro. Previously a 2018 Jeep Grand Cherokee High Altitude.
TRDPro on Montana, with Progressive and 50 years old. $500 deductibles and it's $368 for 6 months. I have no idea why it's so low...
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