Best Toyota FJ Cruiser Insurance Rates [Comprehensive Guide]

Toyota FJ Cruiser insurance rates cost $104 per month ($1,242 per year). 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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 17, 2021

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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 less than $200 per month. Liability-only coverage costs $41 per month, while full coverage costs $104 per month. Continue reading to learn how you can save $512 per year on Toyota FJ Cruiser insurance rates.

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.

Toyota FJ Cruiser Insurance Cost

The average auto insurance costs for a Toyota FJ Cruiser 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 Ford Explorer, Toyota Sequoia, and Mercedes-Benz GLS 450.

Vehicle Comprehensive Collision Liability Total
Ford Explorer $308 $470 $372 $1,308
Toyota Sequoia $332 $566 $398 $1,454
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
GMC Yukon XL $362 $562 $372 $1,454
Mitsubishi Outlander $306 $542 $332 $1,316
Volvo XC60 $306 $536 $338 $1,316
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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?

You might have noticed that there is a multitude of factors that impact Toyota FJ Cruiser auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Toyota FJ Cruiser.

Age of the Vehicle

Older Toyota FJ Cruiser models generally cost less to insure. For example, auto insurance rates for a 2014 Toyota FJ Cruiser are $1,242, while 2010 Toyota FJ Cruiser rates 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 impact on the cost of Toyota FJ Cruiser auto insurance. For example, 20-year-old drivers pay as much as $1,574 more each year for their Toyota FJ Cruiser auto 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 Los Angeles may pay $683 a year more than drivers in Phoenix.

Your Driving Record

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

Toyota FJ Cruiser Safety Ratings

Your Toyota FJ Cruiser auto insurance rates are tied to the Toyota FJ Cruiser’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
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

Good Toyota FJ Cruiser crash test ratings can lower your Toyota FJ Cruiser auto insurance rates. See Toyota FJ Cruiser crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Toyota FJ Cruiser 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

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 auto insurance rates

  • Purchase a Roadside Assistance Program for Your Toyota FJ Cruiser
  • Add a More Experienced Driver to Your Toyota FJ Cruiser Policy
  • Compare Apples to Apples When Comparing Toyota FJ Cruiser Insurance Rates and Policies
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Choose a Toyota FJ Cruiser with Cheaper Repair Costs

Top Toyota FJ Cruiser Insurance Companies

The best auto insurance companies for Toyota FJ Cruiser auto insurance rates will offer competitive rates, discounts, and account for the Toyota FJ Cruiser’s safety features. The following list of auto 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 insurance from some of the top auto insurance companies by using our free online tool today.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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