2010 Toyota FJ Cruiser Insurance Rates
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UPDATED: Apr 14, 2020
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Average insurance rates for a 2010 Toyota FJ Cruiser are $1,098 a year including full coverage. Comprehensive costs on average $228, collision costs $238, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,334. Teen drivers receive the highest rates at $4,260 a year or more.
Annual premium for full coverage: $1,098
Rate estimates for 2010 Toyota FJ Cruiser Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 $522 for basic liability insurance to a much higher rate of $2,334 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying 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 2010 Toyota FJ Cruiser Insurance
Want lower car insurance rates? Drivers have a choice when trying to find the lowest priced Toyota FJ Cruiser insurance. They can either spend hours calling around to compare prices or use the internet to get rate quotes. There is a right way and a wrong way to buy car insurance and you need to know the proper way to compare rates for a Toyota and find the lowest price.
If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. Drivers only need to know the proper way to compare company rates online.
How to Buy Insurance Coverage Online
There are a variety of methods to shop for 2010 Toyota FJ Cruiser insurance coverage, and some are more efficient than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could use the web to get pricing more quickly.
Many companies enroll in a system where insurance shoppers submit their information once, and each company then gives them pricing determined by their information. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.
To access this free quoting program, click here to start a free quote.
The single downside to pricing coverage this way is you are unable to specify the companies you will receive quotes from. So if you want to select individual companies to compare, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.
Whichever way you use, be sure to compare identical coverages and limits for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to determine the best price for your Toyota FJ Cruiser.
Can you really save that much by switching?
Consumers can’t get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you change to their company.
But how can every company make the same claim?
All companies are able to cherry pick for the type of customer that is profitable for them. For example, a preferred risk might be profiled as a mature driver, insures multiple vehicles, and has excellent credit. A driver who meets those qualifications will get the preferred rates and therefore will pay quite a bit less when switching companies.
Consumers who don’t measure up to the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. That is how companies can claim big savings. Because of the profiling, you need to get quotes from several different companies. It’s not possible to predict which company will provide you with the cheapest Toyota FJ Cruiser insurance rates.
Save with discounts on Toyota FJ Cruiser insurance
Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Own a Home – Owning a home can save you money because owning a home requires personal responsibility.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Save over 55 – Older drivers may be able to get a small decrease in premiums on FJ Cruiser insurance.
- Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on FJ Cruiser insurance depending on your company.
- Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
- Paperless Signup – A few companies give back up to $50 for buying your policy over the internet.
- Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
- Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.
For a list of insurance companies who offer insurance discounts, click here.
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Tailor your coverage to you
When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.
These are some specific questions may help you determine whether you will benefit from professional help.
- Is upholstery damage covered by car insurance?
- How much underlying liability do I need for an umbrella policy?
- Why do I need rental car insurance?
- Can my teen drive my company car?
- What if I total my 2010 Toyota FJ Cruiser and owe more than it’s worth?
- What exactly is covered by my policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What is the rate difference between pleasure use and commuting?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.
Insurance coverage breakdown
Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a broken windshield, hail damage, hitting a deer and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Collision coverage – Collision insurance will pay to fix damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses for dental work, doctor visits, funeral costs and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Liability coverages – Liability coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims such as bail bonds, loss of income, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.
Make a quick buck
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at the best price.
Cost effective 2010 Toyota FJ Cruiser insurance is attainable from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
You just read quite a bit of information on how to compare insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with some of the lesser-known companies.
- Prom Night Tips for Teen Drivers (State Farm)
- Red Light Cameras (State Farm)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Rental Reimbursement Coverage (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,734|
|Los Angeles, CA||$1,878|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$66|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.