Best Toyota FJ Cruiser Car Insurance Quotes (2024)
Toyota FJ Cruiser insurance rates cost $1,242 a year, or around $104 a month. This is about $227 less per year than the average vehicle. Mature drivers with good driving records may find rates as low as $730 a year.
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Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
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 |
Read more: Best Car Insurance Company for Jeeps
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.
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Frequently Asked Questions
How much does Toyota FJ Cruiser car insurance cost?
On average, Toyota FJ Cruiser car insurance costs $1,242 per year or $104 per month. This is approximately $227 less per year compared to the average vehicle. Mature drivers with good records may find rates as low as $730 per year.
Are Toyota FJ Cruisers expensive to insure?
Toyota FJ Cruiser insurance rates are generally lower compared to the average vehicle. Full coverage for a Toyota FJ Cruiser costs around $1,242 per year or $104 per month, while liability-only coverage costs about $497 per year or $41 per month.
What factors impact the cost of Toyota FJ Cruiser insurance?
Several factors can influence the cost of Toyota FJ Cruiser insurance, including:
- Age of the vehicle: Older models usually cost less to insure.
- Driver age: Younger drivers tend to have higher insurance rates compared to older drivers.
- Driver location: The location where you live can affect insurance rates.
- Your driving record: Having violations or accidents on your record may increase insurance costs.
What are the safety ratings and features of the Toyota FJ Cruiser?
The Toyota FJ Cruiser has received good safety ratings in various categories, including moderate overlap front and side crash tests. It comes equipped with safety features such as driver and passenger airbags, front and rear head airbags, 4-wheel ABS, electronic stability control, and traction control.
How can I save on Toyota FJ Cruiser insurance?
You can save on Toyota FJ Cruiser insurance by:
- Asking for a new rate based on an improved credit score.
- Inquiring about rental car cost savings through your credit card company.
- Exploring loyalty discounts offered by insurance providers.
- Comparing quotes online to find the best rates.
- Starting your search for insurance a month before your renewal date.
Which are the top insurance companies for Toyota FJ Cruiser coverage?
Some of the top insurance companies offering Toyota FJ Cruiser coverage include:
- State Farm
- GEICO
- Progressive
- Liberty Mutual
- Allstate
- Travelers
- USAA
- Chubb
- Farmers
- Nationwide
The actual rates you pay may vary based on your individual circumstances.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.