Are Toyota FJ Cruisers Expensive to Insure?

If you want to buy inexpensive Toyota FJ Cruiser insurance coverage then you should know that a policy will cost $104 per month ($1,242 per year) on average. On average, Toyota FJ Cruiser comprehensive insurance coverage costs $303, collision coverage costs $442, and liability coverage costs $350. Toyota FJ Cruiser insurance costs around $277 less per year than the average vehicle. Good drivers can save up to $512 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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

Toyota FJ Cruiser insurance rates are about $277 less per year than the average vehicle with full coverage around $1,242 a year or $104 a month. The highest rates are for teens who will pay around $4,540 a year or $378 a month for full coverage.

Good drivers can save up to $512 a year in policy discounts by staying safe and courteous while out on the road. Let’s take a quick look 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 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 Kia Sorento, Toyota 4Runner, and Volvo XC90.

Vehicle Comprehensive Collision Liability Total
Kia Sorento $322 $562 $372 $1,414
Toyota 4Runner $332 $512 $332 $1,312
Volvo XC90 $346 $600 $390 $1,494
Acura RDX $308 $532 $316 $1,292
Honda Passport $362 $656 $316 $1,470
Toyota Sequoia $332 $566 $398 $1,454
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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 will affect the total price you will pay for Toyota FJ Cruiser insurance coverage.

Age of the Vehicle

The average Toyota FJ Cruiser car insurance rates are higher for newer models. For example, car 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 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 car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota FJ Cruiser car insurance 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 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
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Toyota FJ Cruiser Crash Test Ratings

Toyota FJ Cruiser crash test ratings can impact your Toyota FJ Cruiser car 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
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 Toyota FJ Cruiser safety features can help lower insurance costs. According to AutoBlog, 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, 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 several ways you can save even more on your Toyota FJ Cruiser car insurance rates. Take a look at the following five tips:

  • Understand that Insurance Companies Can’t Change Your Toyota FJ Cruiser Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Pay Your Bills On Time — Especially Toyota FJ Cruiser Payments and Insurance
  • Choose Automatic Payments or EFT for Your Toyota FJ Cruiser Insurance Policy
  • Make Sure You’re Raising a Safe Driver
  • Buy Winter Tires for 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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