Toyota Fj-Cruiser Insurance Rates

You found a Toyota FJ Cruiser for sale, but maybe you’re wondering about the average insurance costs. How much does an FJ Cruiser cost to insure? The average Toyota FJ Cruiser insurance rates amount to $104 per month or  $1,242 annually. 

However, there are a number of factors that ultimately determine FJ Cruiser costs, such as the model year of the SUV and your personal driving record. For example, drivers with rocky driving histories requiring high-risk car insurance will receive much higher insurance premiums than experienced drivers with a clean record. 

If you are curious to know all about FJ insurance, including how the different FJ Cruiser trim levels lead to different rates, take advantage of this detailed article. 

When you’re ready to start comparing policies, just enter your five-digit ZIP code into our free online quote tool to find Toyota FJ Cruiser insurance rates from the industry’s top companies.

Finding cheaper auto insurance by comparing rates online saves time, is easy to do, in addition you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Getting better Toyota Fj-Cruiser insurance cost can be quick and easy. Just take time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine Toyota Fj-Cruiser insurance quotes

Car insurance premiums for a Toyota Fj-Cruiser can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor which can affect Toyota Fj-Cruiser insurance rates is the year of the vehicle. Models that are new have a higher actual cash value than older models so the costs to repair can inflate annual premiums. But newer models may have safety features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which can help offset higher rates.

Auto liability insurance - This protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - This pays for damage to your Fj-Cruiser caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Toyota Fj-Cruiser collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.

As you can see from the information we’ve gone over to this point, it’s clear that there are differences in costs when it comes to a Toyota FJ Cruiser insurance policy. To truly get cheap car insurance, you must maintain a safe driving record, compare policies from multiple companies, and apply for any discounts you qualify for.

For example, you need to know much an FJ Cruiser costs to own, maintain, and replace before you have a good idea of what your insurance policy will look like. This is because the value of your model is directly tied to the amount you will pay for insurance.

Ultimately, the best way to find out how much an FJ Cruiser insurance policy is going to cost you is by taking advantage of our free online quote tool, just enter your five-digit ZIP code below to start shopping.

What are the safety ratings of the Toyota FJ Cruiser?

It’s important to consider the safety ratings of the Toyota FJ Cruiser to get a proper understanding of where you might qualify for policy discounts. Looking into safety ratings can also uncover areas where your vehicle may be causing your car insurance rates to increase.

Take a look at the Toyota FJ Cruiser safety ratings below so you can see where you might be eligible for policy discounts.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety classifies ‘Good’ as the highest rating possible. The FJ Cruiser achieved that mark in every part of the SUV that was tested with the exception of the roof. Your insurance premiums will reflect these above average safety ratings.

Maintenance costs for vehicles also affect what you’ll pay for car insurance. Vehicles that cost more to fix or replace tend to receive higher insurance premiums. 

Despite the fact that the Toyota FJ Cruiser was discontinued in 2014, the maintenance costs are relatively average for off-road SUVs. Fortunately, you will not see major increases in your car insurance rates.

Why did the Toyota FJ Cruiser get discontinued? Sales started to drop for this vehicle, and it also was not as fuel-efficient as Toyota preferred. However, for those wondering if Toyota FJ Cruisers hold their value, they surprisingly do. 

Some experts claim the FJ Cruiser maintains upwards of 90 percent of its original value, depending on the details of your model.  

In fact, some motor-enthusiasts even consider the FJ Cruiser to be a modern collectible. While this SUV does not reflect the more expensive collector car insurance rates, it’s still a popular and beloved vehicle. 

Often, owning a collectible or classic vehicle means buying a more expensive policy from a specialty insurance company. However, the FJ Cruiser is still new enough to receive affordable car insurance quotes from many major companies. 

Toyota FJ Cruiser Compared Against Other Vehicles in the Same Class

Officially, the Toyota FJ Cruiser is classified as a midsize four-door SUV by the Insurance Institute for Highway Safety. Other similar models include the following:

• Buick Enclave
• Ford Explorer
• Honda Pilot

When providing you with a quote, insurance companies will consider the loss percentages of the FJ Cruiser as it compares to other similar models in this class. 

The good news is that the Toyota FJ Cruiser reflects a property damage liability loss percentage of 18 percent and a bodily injury liability loss percentage of -14 percent. Both of these figures are considered standard for this vehicle class and will not cause your premiums to increase.

Now that we have gone into great detail about how the Toyota FJ Cruiser insurance rates are calculated, you’re an expert on securing affordable car insurance Toyota’s classic off-road SUV. Is a Toyota FJ Cruiser a good car for you? 

If so, start comparing FJ Cruiser quotes from multiple companies by entering your five-digit ZIP code into our FREE quote tool.