The Toyota 4Runner is a large SUV, and the version on our quote form has a four-litre V6. In Singapore, a car like this is rare and costly to keep. This page puts figures on road tax and insurance and explains the COE rule.
The insurance prices are examples for one stated driver, as of 1 November 2026. Only one insurer prices this car online, so read them as a single reference.
The 4Runner on paper
The new-car list has no entry for the 4Runner. There is no list price, power figure or body type to give.
The price page prices the 4Runner V6 2WD 4.0, 3,956cc. That is the version most of our insurers quote.
Road tax: the largest yearly cost
A near four-litre engine carries heavy road tax. LTA's formula gives S$3,880.28 a year for 3,956cc, before any age surcharge. That is far more than the insurance premium on this page.
Older cars pay more again:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
On a base this high, each step adds several hundred dollars a year. Before buying, find out the car's first registration date. The road tax page has the formula.
Category B COE
With 3,956cc, well above 1,600cc, the price page puts the 4Runner V6 in Category B. That closed at S$131,901 in the October 2026 2nd round.
If you renew the COE on an older 4Runner, this is the price range you face. The COE page shows later rounds.
Insurance: a single online price
The Toyota 4Runner price page prices this case:
- Car: 4Runner V6 2WD 4.0, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
One insurer prices it online. The premium is S$1,308.43 a year, with a S$1,200 excess. It includes 9% GST.
Eighteen insurers on our panel have no online price for the 4Runner. One does not list the model on its online quote. Another prices only electric cars online. The rest have no price for it yet.
With one price, you cannot compare online. Expect to ask insurers for quotes directly. When you do, check the excess and the workshop terms as well as the premium.
What the S$1,200 excess means
The excess is the part of each claim you pay yourself. On this plan it is S$1,200. If you make a claim for damage to your own car, that sum comes out of your pocket first. Some insurers let you choose a different excess for a different premium, so ask what options there are.
When your details differ
The price page shows the price when one thing changes:
- No NCD (0%): S$3,009.38, which is S$1,700.95 more
- 20% NCD: S$2,198.16, S$889.73 more
- A driver aged 27, 3 years' driving, 30% NCD: S$3,287.39, S$1,978.96 more
- A driver aged 65, 20 years' driving: no online price
- A new car, registered this year: S$1,391.92, S$83.49 more
- A car 8 years old: S$1,280.56, S$27.87 less
The young driver pays 151% more than the standard driver. No NCD comes close, at more than double. For a driver aged 65, no insurer gives an online price at all. If that is you, quotes will have to come directly from insurers.
Car age makes only a small difference either way. A brand-new car costs a little more to insure, and an 8-year-old one a little less.
Every figure in this list comes from the same single insurer. Another insurer could weigh age, experience and NCD quite differently. So these changes show the direction of travel, not the size of the change you would see.
Against other large-engined cars
The price page compares six cars with big engines, for the same driver and car age:
- Audi RS Q8: S$2,154.12, 2 insurers
- Audi SQ7: S$2,154.12, 5 insurers
- Audi SQ8: S$1,370.00, 3 insurers
- BMW 735i: S$1,061.44, 8 insurers
- BMW 735Li: S$1,061.44, 6 insurers
- BMW M5 Sedan: S$3,485.71, 1 insurer
Their average lowest price is S$1,881.14. The 4Runner is 30% below that. Only 2 of the six, the two BMW 7 Series versions, are cheaper to insure. Several of these cars also have just a handful of insurers pricing them, so the comparison is a loose one.
Other Toyota models are on the Toyota car insurance page.
Costs that depend on how you drive
No single figure fits these:
- Parking: season parking at home and work, and short-term parking. A large SUV may not suit every space.
- Petrol: depends on your mileage and pump prices. A big engine is worth keeping in mind.
- ERP: depends on your routes and timing.
- Parts and servicing: for a rare model, ask a workshop about parts and how long they take to arrive.
- Depreciation: depends on the price you pay and the COE time left.
Summary of yearly costs we can show
For the Toyota 4Runner V6 2WD 4.0, 3,956cc:
- Road tax: S$3,880.28 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: S$1,308.43 a year, one insurer pricing (as of 1 November 2026)
- Insurance, no NCD: S$3,009.38
- Insurance, driver aged 27 with 30% NCD: S$3,287.39
- Insurance, car 8 years old: S$1,280.56
A Category B COE closed at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Toyota 4Runner
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Toyota 4Runner to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.