Toyota FJ Cruiser Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota FJ Cruiser costs less than most other SUVs to insure.

• Full coverage auto insurance for a FJ Cruiser comes in at about $125 monthly, on average, while liability only insurance usually tends to be around $69 per month.

• The lowest insurance company for a FJ Cruiser is AnchorGeneral.

FJ Cruiser Overview

Coming in with a base MSRP of $27,680 for 2014 models, the Toyota FJ Cruiser is a great car for drivers on a budget.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that average Toyota FJ Cruiser insurance premiums run about $114 monthly. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Toyota FJ Cruiser?

You'll see in the table above that when you compare the Toyota FJ Cruiser to other vehicles, insurance rates are less expensive than average. On average, FJ Cruiser owners can expect to pay around $69 a month for liability insurance, and about $125 per month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Toyota models, the FJ Cruiser is less expensive, with prices around 23% lower than the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for a FJ Cruiser is also more affordable, with full coverage insurance rates coming in about 18% less and 15% less for liability only insurance.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Toyota FJ Cruiser?

If you're browsing for a car insurance policy for a Toyota FJ Cruiser, you might want to know which carrier offers the most affordable rates. Although premiums can vary pretty significantly depending on your driver profile, Oasis has the cheapest average rates for liability only coverage, with rates as little as $25 monthly. With car insurance as cheap as $30 per month, MetroMile is the next most affordable car insurance company.

Rounding out the list are Amica, Aspire, and CaliforniaCasualty. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a wide array of variables into consideration when calculating how much to charge you. The only way to guarantee you'll find the lowest rates is to compare quotes from a whole bunch of insurance carriers.

What Factors Affect Car Insurance Rates for a Toyota FJ Cruiser?

As we mentioned above, there are quite a few things that car insurance companies consider to decide how much they charge -- and each carrier weighs certain pieces more than others, so there's not just one company that's the cheapest for everyone.

The sections below show a multitude of factors auto insurance carriers use to choose rates:

Vehicle Age

The Toyota FJ Cruiser has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, the FJ Cruiser won't really fit this trend. However, as you can see in the table above, the cheapest Toyota FJ Cruisers to insure are those that are 4 to 5 and 6 to 7 years old, while the most expensive models are FJ Cruisers that are 11 to 14 years old, on average.

Your Age

Age plays a role in how much you pay for auto insurance. In the table above, you'll see that teenage drivers pay more for insurance than drivers who have more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the FJ Cruiser.

Your Gender

You may not know, but auto insurance is typically cheaper for women than it is for men. This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. Surprisingly, when it comes to FJ Cruiser drivers specifically, women pay around $1 more than men a month for car insurance.

Where You Live

You may already know that variables like what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live can be just as important. Since auto insurance is regulated at the state level, rates can fluctuate quite a bit from state to state.

For example, the average Toyota FJ Cruiser driver in New York pays about $176 a month for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

Toyota FJ Cruiser Car Insurance Discounts

Whatever where you live, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments

But these aren't the only discounts car insurance carriers offer to their customers. Some of the best ways to save are just by having a good driving history and positive insurance profile.

While you may not have control of every factor auto insurance companies reference to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use to your advantage in order to save money on insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable rates to drivers with clean records. It follows that if you get into a collision or get tickets, car insurance prices will increase. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost FJ Cruiser drivers more than tickets, but both will result in above average rates. Toyota FJ Cruiser drivers with a single accident on their record pay an average of $101 every month (up $32 from the $69/mo. overall average), while drivers with one ticket will pay about $83 per month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive plays a big role in your insurance rates. Drivers who are on the roads less are more likely to go accident-free, so they'll normally get less expensive premiums. Based on the table above, you can see that Toyota FJ Cruiser owners who drive 10,000 miles or more pay $73 for auto insurance, while those who drive fewer than 2,500 miles each year pay about $54 a month.

If you work from home or drive less often than the average driver, it may be worth learning about usage-based or pay-per-mile car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Toyota FJ Cruisers Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Toyota FJ Cruiser is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Toyota FJ Cruiser compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Toyota FJ Cruiser is a great value for any budget. The FJ Cruiser comes in at $27,680, which is much cheaper than the national average vehicle MSRP of $39,829. And since it's been a few years since a new FJ Cruiser model has been on the market, used prices are going to be even lower.

In the same fashion, insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Toyota FJ Cruiser is around $19 per month less than average, while full coverage is over $30 cheaper monthly.

When it comes to usage, Toyota FJ Cruiser drivers are pretty close to the national average in annual miles driven, with 11,447 miles per year compared to 11,660 for all vehicles.

Toyota FJ Cruiser Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much the average driver pays to insure a Toyota FJ Cruiser. If you're considering purchasing a new FJ Cruiser, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

So we've done the heavy lifting and analyzed Toyota FJ Cruiser auto insurance rates by model year. Choose a specific FJ Cruiser model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've included some additional information you might find helpful, too, like available trims, base price, and even the cheapest insurance company for each FJ Cruiser model year.

2014 Toyota FJ Cruiser Car Insurance

You can expect full coverage for a 2014 Toyota FJ Cruiser to run about $135 a month, while liability only coverage will average around $62 per month.

MetLife has premiums as low as $21 monthly for the 2014 Toyota FJ Cruiser.

Interested in what your insurance rate could look like? Enter your ZIP code below to get multiple free customized quotes.

2013 Toyota FJ Cruiser Car Insurance

The average cost to insure a 2013 FJ Cruiser with liability only coverage is $57 a month, while full coverage runs about $122 per month.

If you're looking for the most affordable 2013 Toyota FJ Cruiser insurance policy, Safeco offered the lowest policy we found, with rates as cheap as just $32 monthly.

These average prices are a great starting point if you're in the market for a 2013 Toyota FJ Cruiser, but there are a range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2012 Toyota FJ Cruiser Car Insurance

2012 Toyota FJ Cruiser drivers can expect to pay an average of $80 per month for liability or $130 for full coverage.

With rates as little as just $24 a month, MetLife offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for car insurance for a 2012 Toyota FJ Cruiser, you can get free quotes in minutes by just entering your ZIP code below.

2011 Toyota FJ Cruiser Car Insurance

It costs around $62 monthly for liability or $135 for a full coverage policy for the 2011 FJ Cruiser.

Workmens offered the cheapest policy we found, with rates sometimes as little as $43 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

2010 Toyota FJ Cruiser Car Insurance

On average, drivers who own a 2010 Toyota FJ Cruiser can expect to pay $56 to $112 per month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as cheap as $17 monthly.

Want to know exactly what your car insurance price will be? Get a variety of free customized quotes by just entering your ZIP code below.

2009 Toyota FJ Cruiser Car Insurance

It costs about $52 a month for liability or $107 for a full coverage policy for the 2009 FJ Cruiser.

With prices as low as just $36 per month, CaliforniaCasualty offered the cheapest policy we found for the 2009 Toyota FJ Cruiser.

While these are good estimates of what the average driver might pay to insure a 2009 Toyota FJ Cruiser, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2008 Toyota FJ Cruiser Car Insurance

The average cost to insure a 2008 Toyota FJ Cruiser with liability only coverage is $75 monthly, while full coverage runs around $120 a month.

We found Shelter Mutual offered the most affordable policy, with rates sometimes as low as $23 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2007 Toyota FJ Cruiser Car Insurance

You can expect full coverage for a 2007 FJ Cruiser to run about $126 per month, while liability only coverage will average around $70 a month.

Clearcover has rates as little as just $19 per month for the 2007 Toyota FJ Cruiser.

Want to find the lowest rates? Just enter your ZIP code below to get lots of free customized quotes.

Toyota FJ Cruiser Insurance FAQs

Is a Toyota FJ Cruiser expensive to insure?

When compared to the national average of all vehicles, premiums come in on the more affordable end of the spectrum. Liability insurance runs an average of $69 monthly, while full coverage will cost you around $125.

How can I get the best price on car insurance for my Toyota FJ Cruiser?

There's only one way to be sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a range of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota FJ Cruiser affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are several things insurance companies use when they offer prices, but your Toyota FJ Cruiser's color isn't one of them.

Do I need to have insurance before I buy a Toyota FJ Cruiser?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new SUV is to let your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Toyota FJ Cruiser?

You will find tons of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the FJ Cruiser you drive, but if your FJ Cruiser has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their discounts.