Things to consider when insuring one
25% rollover risk in a single-vehicle crash
Higher than most cars, typical of tall vehicles. Rollovers are among the most serious crashes.
Driver-assist sensors come standard
They can help avoid crashes, but a windshield or bumper repair often needs the cameras and radar recalibrated, which costs more. Check what your comprehensive and collision deductibles would mean for a glass claim.
Most owner complaints are about the unknown or other
12 of 33 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
1 recall
- NHTSA 23V680000 · Oct 12, 2023
equipment: other: labels
Southeast Toyota Distributors, LLC (SET) is recalling certain 2023 Toyota 4Runner vehicles. The load carrying capacity modification label states the incorrect load carrying capacity, which can result in an overloaded vehicle. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 110, "Tire Selection and Rims."
- The risk
- An overloaded vehicle increases the risk of a crash.
- The fix
- Southeast Toyota Distributors, LLC will mail a new modified label, free of charge. Owner notification letters were mailed December 1, 2023. Owners may contact SET's customer service at 1-866-405-4226. SET's number for this recall is SET23A.
Crash test ratings
2023 Toyota 4RUNNER SUV AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 25%
2023 Toyota 4RUNNER SUV 2WD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 25%
What owners report
33 complaints to NHTSA, 6 involving a crash, 1 a fire, 5 injuries.
- Unknown or other12
- Tires4
- Exterior lighting3
- Steering3
- Suspension3
- Air bags2
- Back over prevention2
- Engine2
Insuring a 2023 Toyota 4RUNNER?
An independent broker compares several insurers for you and can explain what matters for this car. Find one who writes auto where you live.
Other 2023 Toyota models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.