Toyota FJ Cruiser Insurance Rates [Comparison Guide]

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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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 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

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
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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

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
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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
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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
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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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Compare Free Toyota FJ Cruiser Insurance Quotes Online

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.

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