Things to consider when insuring one
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
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.
2 recalls
- NHTSA 25V744000 · Oct 30, 2025
back over prevention: display function
Toyota Motor Engineering & Manufacturing (Toyota) is recalling certain 2022-2026 Toyota, Lexus, and Subaru Solterra vehicles equipped with a Panoramic View Monitor (PVM) system. Please see the recall report for a complete list of models. A software error may cause the rearview camera to freeze or display a blank screen when the vehicle is in reverse. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 111, "Rear Visibility."
- The risk
- A rearview camera that fails to display an image can reduce the driver's view behind the vehicle, increasing the risk of a crash.
- The fix
- Dealers will update the parking assist software, free of charge. Owner letters were mailed January 2, 2026. Owners may contact Toyota's customer service at 1-800-331-4331. Toyota's numbers for this recall are 25TB13 and 25LB06. Subaru's number for this recall is WRE25.
- NHTSA 25V577000 · Sep 4, 2025
visibility: defroster/defogger/hvac system
Toyota Motor Engineering & Manufacturing (Toyota) is recalling certain 2023-2025 bZ4X, Lexus RZ, and Subaru Solterra vehicles. During certain HVAC system faults, such as electrical compressor failure, the defroster and defogger system may become inoperative.
- The risk
- An inoperative defroster and defogger system can decrease the driver's visibility under certain driving conditions, increasing the risk of a crash.
- The fix
- Dealers will update the HVAC control ECU software, free of charge. Dealers will also inspect the electrical compressor, and replace it, if necessary, free of charge. Owner notification letters were mailed October 17, 2025. Owners may contact Toyota's customer service at 1-800-331-4331. Toyota's numbers for this recall are 25TB07 and 25TA07. Lexus' numbers for this recall are 25LB04 and 25LA04. Subaru's number for this recall is WRD-25.
Crash test ratings
2025 Toyota bZ4X SUV AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 12%
2025 Toyota bZ4X SUV FWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 12%
What owners report
5 complaints to NHTSA, 1 involving a crash.
- Unknown or other3
- Suspension2
- Wheels2
- Electrical system1
- Engine1
- Service brakes1
- Steering1
Insuring a 2025 Toyota BZ4X?
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 2025 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.