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2008 Toyota FJ Cruiser Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 14, 2020

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Average insurance rates for a 2008 Toyota FJ Cruiser are $1,042 a year with full coverage. Comprehensive costs an estimated $206, collision costs $200, and liability costs $478. Buying a liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,216. Teen drivers receive the highest rates at $4,102 a year or more.

Annual premium for full coverage: $1,042

Rate estimates for 2008 Toyota FJ Cruiser Insurance

Comprehensive $206
Collision $200
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Toyota FJ Cruiser models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $526 for just liability insurance to a much higher rate of $2,216 for a driver that may need high-risk insurance.

Liability Only $526
Full Coverage $1,042
High Risk $2,216

View Chart as Image

2008 Toyota FJ Cruiser insurance rates compared
Column chart showing 2008 Toyota FJ Cruiser insurance prices range from $639 to $4,102 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Toyota FJ Cruiser Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Toyota FJ Cruiser? Sick and tired of not being able to afford to insure your Toyota every month? You’re in the same situation as the majority of other car owners.

Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rate

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Finding the best rates is quite easy. But car owners do need to know how the larger insurance companies sell insurance online and use this information to your advantage.

How to Compare Car Insurance Rates

All major car insurance companies allow you to get coverage price quotes on the web. Getting online rates is fairly simple as you just enter the coverage amounts you desire into a form. When complete, their rating system gets information on your driving record and credit history and returns pricing information based on these factors. Online quotes makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms can be a bit repetitive. But it’s very important to compare as many rates as possible if you want to find better prices.

There is a better way!

A less time-consuming method to find lower prices uses one form to return rates from a bunch of companies at once. The form is fast, requires less work, and makes online shopping much more enjoyable and efficient. Once the form is submitted, it gets priced and you can choose any one of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter deductibles and limits as close as possible to your current policy. This helps ensure you will have a price comparison for the exact same coverage.

Save on Toyota FJ Cruiser insurance

Companies don’t always list every available discount very well, so we researched some of the best known and the more hidden ways to save on car insurance.

  • Student in College – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that some credits don’t apply the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies with the best car insurance discounts, click here.

Pieces of the Toyota FJ Cruiser insurance rate puzzle

An important part of buying insurance is that you know some of the elements that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower insurance coverage prices.

  • Careful drivers pay lower rates – Careful drivers get better rates than bad drivers. Even a single ticket can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Companies give cheaper rates to drivers who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
  • Proper usage rating affects rates – The higher the mileage driven in a year’s time the higher your rate. Almost all companies rate vehicles based on how the vehicle is used. Autos left parked in the garage can get a lower rate compared to those used for work or business. Make sure your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your FJ Cruiser may be wasting your money.
  • Having a spouse can save you money – Being married actually saves money on your insurance coverage policy. Having a spouse usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • No coverage gaps is important – Driving with no insurance is against the law and insurance coverage companies will penalize you for letting your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Are you male or female? – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both are in accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Where you live is a factor – Residing in less populated areas can save you money when buying insurance coverage. Urban drivers tend to have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Tailor your coverage to you

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation might need professional guidance.

  • What are the best liability limits?
  • When should I not file a claim?
  • Do I have coverage when making deliveries for my home business?
  • What if I total my 2008 Toyota FJ Cruiser and owe more than it’s worth?
  • Is my state a no-fault state?
  • Do I need medical payments coverage since I have good health insurance?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Free Auto Insurance Comparison

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

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Are you falling for claims of savings?

Insurance providers like State Farm and Allstate constantly bombard you with television and radio advertisements. They all make the same claim of big savings if you switch to their company. How can each company make the same claim?

Insurance companies have a preferred profile for the type of customer they prefer to insure. For example, a preferred risk might be between 25 and 40, has no prior claims, and has a short commute. A driver who fits that profile is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential customers who fall outside this ideal profile must pay a higher premium which usually ends up with business not being written. The ads say “customers that switch” not “people who quote” save that much money. This is how companies can truthfully make those claims. This illustrates why you should quote coverage with many companies. It’s not possible to predict which insurance company will give you the biggest savings on Toyota FJ Cruiser insurance.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, backing into a parked car, hitting a parking meter, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota FJ Cruiser.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like rehabilitation expenses, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a deer, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical expenses, court costs, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

What is YOUR best insurance company?

Cheaper 2008 Toyota FJ Cruiser insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented quite a bit of information on how to lower your insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

While you’re price shopping online, do not reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at the best price.

More information can be found at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Toyota FJ Cruiser Insurance Rates by City
City Premium
New York City, NY $1,644
Los Angeles, CA $1,779
Philadelphia, PA $1,394
Jacksonville, FL $1,510
Phoenix, AZ $1,210
Chicago, IL $1,397
Houston, TX $1,635
Seattle, WA $1,013
Columbus, OH $871
Indianapolis, IN $886

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Toyota FJ Cruiser Insurance Rates by Driver Age
Driver Age Premium
16 $4,102
20 $2,336
30 $1,062
40 $1,042
50 $956
60 $932

Full coverage, $500 deductibles

Rates by Deductible

2008 Toyota FJ Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,136
$500 $1,042
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Toyota FJ Cruiser Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,042
50/100 $1,138
100/300 $1,257
250/500 $1,568
100 CSL $1,185
300 CSL $1,448
500 CSL $1,640

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Toyota FJ Cruiser Insurance Rates for High Risk Drivers
Age Premium
16 $5,776
20 $3,720
30 $2,236
40 $2,216
50 $2,118
60 $2,094

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $65
Paid in Full/EFT $37
Advance Quote $44
Online Quote $71
Total Discounts $403
Rate after discounts $639

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Toyota FJ Cruiser Insurance Rates by State
State Premium
Alabama $944
Alaska $800
Arizona $864
Arkansas $1,042
California $1,186
Colorado $996
Connecticut $1,070
Delaware $1,178
Florida $1,302
Georgia $962
Hawaii $748
Idaho $706
Illinois $776
Indiana $784
Iowa $702
Kansas $990
Kentucky $1,422
Louisiana $1,540
Maine $642
Maryland $860
Massachusetts $834
Michigan $1,810
Minnesota $872
Mississippi $1,248
Missouri $924
Montana $1,120
Nebraska $822
Nevada $1,248
New Hampshire $750
New Jersey $1,166
New Mexico $922
New York $1,096
North Carolina $600
North Dakota $852
Ohio $720
Oklahoma $1,070
Oregon $954
Pennsylvania $996
Rhode Island $1,390
South Carolina $944
South Dakota $880
Tennessee $914
Texas $1,258
Utah $772
Vermont $712
Virginia $624
Washington $804
West Virginia $954
Wisconsin $720
Wyoming $928

Free Auto Insurance Comparison

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