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Toyota FJ Cruiser Insurance Cost Estimate

Average car insurance rates for a Toyota FJ Cruiser cost $1,242 a year, or around $104 a month. Mature drivers with good driving records may find rates as low as $730 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 22, 2020

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Key takeaways:

  • Full coverage costs around $1,242 a year or $104 each month
  • A liability-only policy costs around $497 a year or $41 each month
  • Highest rates are for teenage drivers at around $4,540 a year or $378 each month
  • Good drivers can save as much as $512 a year by earning policy discounts
  • Toyota FJ Cruiser insurance costs around $277 less per year than the average vehicle

Toyota FJ Cruiser insurance rates are quite a bit less than the average vehicle with full coverage costing around $1,242 a year or $104 a month. If you have an older Toyota FJ Cruiser, you may opt to get liability coverage only which will cost around $497 a year or $41 a month. We’re going to be looking at Toyota FJ Cruiser insurance rates, safety features, and more.

You can start comparing quotes for Toyota FJ Cruiser car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota FJ Cruiser Insurance Cost

The average Toyota FJ Cruiser car insurance costs are $1,242 a year or $104 a month.

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Are Toyota FJ Cruisers Expensive to Insure?

The chart below details how Toyota FJ Cruiser insurance rates compare to other SUVs like the Jeep Grand Cherokee, Chevrolet Traverse, and Jeep Wrangler.

Vehicle Comprehensive Collision Liability Total
Jeep Grand Cherokee $322 $562 $372 $1,414
Chevrolet Traverse $336 $470 $316 $1,258
Jeep Wrangler $280 $376 $420 $1,256
Ford Flex $332 $566 $398 $1,454
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Chevrolet Suburban $336 $532 $372 $1,398

However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota FJ Cruiser Insurance?

The Toyota FJ Cruiser trim and model you choose can impact the total price you will pay for Toyota FJ Cruiser auto insurance coverage.

Age of the Vehicle

Older Toyota FJ Cruiser models generally cost less to insure. For example, auto insurance for a 2014 Toyota FJ Cruiser costs $1,242, while 2010 Toyota FJ Cruiser insurance costs are $1,110, a difference of $132.

Model Year Comprehensive Collision Liability Total
2014 Toyota FJ Cruiser $282 $350 $452 $1,242
2013 Toyota FJ Cruiser $270 $330 $456 $1,214
2012 Toyota FJ Cruiser $258 $296 $460 $1,172
2011 Toyota FJ Cruiser $242 $272 $460 $1,132
2010 Toyota FJ Cruiser $234 $254 $464 $1,110

Driver Age

Driver age can have a significant impact on Toyota FJ Cruiser auto insurance rates. For example, 20-year-old drivers pay approximately $1,519 more each year for their Toyota FJ Cruiser auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota FJ Cruiser insurance rates. For example, drivers in Jacksonville may pay $745 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Toyota FJ Cruiser car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota FJ Cruiser car insurance rates with violations on their driving record.

Toyota FJ Cruiser Safety Ratings

Your Toyota FJ Cruiser car insurance rates are influenced by the safety ratings of the Toyota FJ Cruiser. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Acceptable
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Toyota FJ Cruiser Crash Test Ratings

Good Toyota FJ Cruiser crash test ratings mean the VW is safer, which could mean cheaper Toyota FJ Cruiser car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Toyota FJ Cruiser N/R N/R N/R 3
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Toyota FJ Cruiser Safety Features

The numerous safety features of the Toyota FJ Cruiser help contribute to lower insurance rates. The 2020 Toyota FJ Cruiser has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Front Tow Hooks
  • Traction Control

Toyota FJ Cruiser Finance and Insurance Cost

If you are financing a Toyota FJ Cruiser, most lenders will require your carry higher Toyota FJ Cruiser coverage options including comprehensive coverage, so be sure to shop around and compare Toyota FJ Cruiser car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Toyota FJ Cruiser Insurance

You have more options at your disposal to save money on your Toyota FJ Cruiser auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Toyota FJ Cruiser car insurance rates

  • Ask for a New Toyota FJ Cruiser Auto Insurance Rate Based on Your Improved Credit Score
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Ask About Loyalty Discounts
  • Compare Toyota FJ Cruiser Quotes Online
  • Start Searching for New Toyota FJ Cruiser Car Insurance a Month Before Your Renewal

Top Toyota FJ Cruiser Insurance Companies

Who is the best auto insurance company for Toyota FJ Cruiser insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota FJ Cruiser auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota FJ Cruiser offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Toyota FJ Cruiser Insurance Quotes Online

To start comparing Toyota FJ Cruiser car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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