Toyota FJ Cruiser Insurance [Comprehensive Guide]

Average car insurance rates for a Toyota FJ Cruiser cost $1,242 a year, or around $104 a month. You can find cheap Toyota FJ Cruiser insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $730 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 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

Finding Toyota FJ Cruiser insurance rates doesn’t have to be intimidating. This comprehensive guide covers how Toyota FJ Cruiser car insurance rates are calculated so you can effectively research affordable Toyota FJ Cruiser rates with confidence.

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 rates 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, Ford Edge, and Mitsubishi Outlander Sport.

Vehicle Comprehensive Collision Liability Total
GMC Acadia $294 $470 $372 $1,294
Ford Edge $266 $500 $372 $1,296
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Volkswagen Atlas $358 $690 $390 $1,596
Hyundai Santa Fe $294 $562 $372 $1,386
Cadillac Escalade ESV $464 $720 $390 $1,732
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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

The average Toyota FJ Cruiser auto insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on the cost of Toyota FJ Cruiser car insurance. For example, 30-year-old drivers pay approximately $55 more for their Toyota FJ Cruiser car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota FJ Cruiser insurance rates. For example, drivers in Houston may pay $915 a year more than drivers in Columbus.

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 influenced by 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 G
Side G
Roof strength A
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Toyota FJ Cruiser Crash Test Ratings

Not only do good Toyota FJ Cruiser crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota FJ Cruiser auto 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
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Toyota FJ Cruiser Safety Features

The numerous safety features of the Toyota FJ Cruiser help contribute to lower insurance rates. The 2014 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 auto insurance rates 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 car insurance costs. For example, try these five tips:

  • Don’t Skimp On Toyota FJ Cruiser Liability Coverage
  • Install an Aftermarket Anti-Theft Device for Your Toyota FJ Cruiser
  • Remove Unnecessary Insurance Once Your Toyota FJ Cruiser is Paid Off
  • Consider Toyota FJ Cruiser Insurance Costs Before Buying a Toyota FJ Cruiser
  • Choose a Toyota FJ Cruiser with Cheaper Repair Costs

Top Toyota FJ Cruiser Insurance Companies

The best auto insurance companies for Toyota FJ Cruiser car insurance rates will offer competitive rates, discounts, and account for the Toyota FJ Cruiser’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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Compare Free Toyota FJ Cruiser Insurance Quotes Online

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

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Average Monthly Car Insurance Rates by State