Buy Cheap Toyota FJ Cruiser Auto Insurance in 2023
Average Toyota FJ Cruiser insurance rates cost $1,242 a year, or around $104 a month. Finding Toyota FJ Cruiser teenager insurance rates can cost on average $4,540 a year, so shop around to find cheap coverage.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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
A Toyota FJ Cruiser’s insurance rates can be economical for drivers. Toyota FJ Cruiser insurance costs around $277 less per year than the average vehicle. Learn more about Toyota FJ Cruiser insurance rates and ways to save in our comprehensive guide.
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 auto 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 GMC Acadia, Honda Pilot, and Lexus LX 570.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Acadia | $294 | $470 | $372 | $1,294 |
| Honda Pilot | $336 | $470 | $372 | $1,336 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
| GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Toyota Land Cruiser | $420 | $774 | $398 | $1,750 |
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 insurance coverage.
Age of the Vehicle
Older Toyota FJ Cruiser models generally cost less to insure. For example, car insurance for a 2014 Toyota FJ Cruiser costs $1,242, while a 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 effect on Toyota FJ Cruiser car insurance rates. As an example, a 30-year-old driver pays around $55 more each year for their Toyota FJ Cruiser car insurance than a 40-year-old driver.
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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota FJ Cruiser auto insurance rates with violations on their driving record.
Toyota FJ Cruiser Safety Ratings
Your Toyota FJ Cruiser car insurance rates are tied to the safety ratings of the Toyota FJ Cruiser. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| 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
Toyota FJ Cruiser crash test ratings can impact the cost of your Toyota FJ Cruiser car insurance. See Toyota FJ Cruiser crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2014 Toyota FJ Cruiser SUV FWD | N/R | N/R | N/R | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Toyota FJ Cruiser Safety Features
The more safety features you have on your Toyota FJ Cruiser, the more likely it is that you can earn a discount. The Toyota FJ Cruiser’s safety features include:
- 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, you will pay more if you purchase Toyota FJ Cruiser auto insurance at the dealership, so be sure to shop around and compare Toyota FJ Cruiser auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Toyota FJ Cruiser Insurance
There are many ways that you can save on Toyota FJ Cruiser car insurance. Below are five actions you can take to find cheap Toyota FJ Cruiser auto insurance rates.
- Ask About Loyalty Discounts
- Compare Insurance Companies After Moving
- Understand that Your Insurer Can Change Your Toyota FJ Cruiser Auto Insurance Rates Mid-Term for Other Reasons
- Buy An Older Toyota FJ Cruiser
- Carpool to Work Instead of Driving Your Toyota FJ Cruiser
Top Toyota FJ Cruiser Insurance Companies
Who is the top car 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 | |||
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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.
Frequently Asked Questions
Is it possible to find cheap auto insurance for a Toyota FJ Cruiser?
Yes, it is possible to find affordable auto insurance for a Toyota FJ Cruiser. Insurance rates can vary based on factors such as your location, driving record, coverage needs, and the specific model of the Toyota FJ Cruiser. However, by comparing quotes from different insurance companies, exploring available discounts, and considering your coverage options, you can increase your chances of finding cheap auto insurance for your Toyota FJ Cruiser.
What factors can influence the cost of Toyota FJ Cruiser auto insurance?
Several factors can influence the cost of Toyota FJ Cruiser auto insurance, including:
- Model and year of the Toyota FJ Cruiser: The specific model and year of your Toyota FJ Cruiser can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft or damage are considered.
- Driving record: Your driving history, including accidents, tickets, and violations, can influence your insurance rates. Maintaining a clean driving record can help keep premiums lower.
- Coverage options: The coverage options you choose, such as liability, comprehensive, and collision coverage, can affect your insurance costs. Higher coverage limits and lower deductibles may result in higher premiums, while lower coverage limits and higher deductibles can lower premiums.
- Location: Your location can impact insurance rates. Factors such as population density, crime rates, and accident statistics in your area are considered when determining premiums.
- Insurance history: Your insurance history, including previous claims and coverage gaps, can influence your rates. Maintaining continuous coverage and a good claims history can help keep premiums lower.
Are there any specific discounts available to help reduce Toyota FJ Cruiser auto insurance costs?
Yes, there are several discounts available that can help reduce Toyota FJ Cruiser auto insurance costs. While the availability of discounts can vary between insurance companies, some common ones include:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may qualify for a discount by bundling them.
- Vehicle safety features discount: Toyota FJ Cruiser models equipped with safety features, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
What steps can I take to find and buy cheap auto insurance for my Toyota FJ Cruiser?
find and buy cheap auto insurance for your Toyota FJ Cruiser, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Assess your coverage needs: Determine the appropriate coverage limits and deductibles that suit your needs while keeping costs in mind.
- Maintain a good driving record: Practice safe driving habits to maintain a clean driving record, which can help keep your insurance premiums lower.
- Inquire about discounts: Ask insurance companies about available discounts and take advantage of those you qualify for.
- Consider bundling: If you have multiple insurance policies, check if bundling them with the same provider can lead to discounted rates.
- Review and update your policy: Regularly review your policy to ensure it still meets your needs and consider making adjustments if necessary.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.