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2011 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 2011 Toyota FJ Cruiser are $1,110 a year for full coverage insurance. Comprehensive costs around $234 a year, collision costs $254, and liability coverage costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,366. Teenage drivers receive the highest rates at $4,294 a year or more.

Annual premium for full coverage: $1,110

Rate estimates for 2011 Toyota FJ Cruiser Insurance

Comprehensive $234
Collision $254
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for basic liability insurance to a high of $2,366 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $1,110
High Risk $2,366

View Chart as Image

2011 Toyota FJ Cruiser insurance rates compared
Column chart showing 2011 Toyota FJ Cruiser insurance prices range from $675 to $4,294 for full coverage

These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, rather than using average rates.

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 2011 Toyota FJ Cruiser Insurance

Searching Companies

Searching for the cheapest car insurance rates? Consumers have a choice when looking for the lowest priced Toyota FJ Cruiser insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to get rate quotes. There is a better way to find car insurance online so you’re going to learn the best way to price shop coverage for a Toyota and find the lowest price from local insurance agents and online providers.

The best way to compare car insurance company rates is to know the fact most of the larger companies actually pay money for the chance to give free rates quotes. To start a quote, the only thing you need to do is provide a little information such as the ages of drivers, if your license is active, what your job is, and if you require a SR-22. Your information is submitted instantly to multiple different insurance companies and you will get price comparisons almost instantly.

To get price quotes for your , click here and enter your zip code.

Discounts are available to cut your rates

Auto insurance companies don’t always list every discount very clearly, so we break down both well-publicized as well as the least known car insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on FJ Cruiser coverage depending on your company.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some 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, car insurance companies aren’t that generous.

For a list of companies offering car insurance discounts, click here.

Free Auto Insurance Comparison

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Everyone needs different coverages

When choosing coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does insurance cover damages from a DUI accident?
  • How much can I save by bundling my policies?
  • Does my insurance cover my expensive audio equipment?
  • Should I waive the damage coverage when renting a car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?
  • How do I buy GAP insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer, rock chips in glass, falling objects and hitting a bird. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as structural damage, attorney fees, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for chiropractic care, pain medications, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Toyota FJ Cruiser Insurance Rates by City
City Premium
New York City, NY $1,755
Los Angeles, CA $1,899
Philadelphia, PA $1,481
Jacksonville, FL $1,612
Phoenix, AZ $1,294
Chicago, IL $1,490
Houston, TX $1,742
Seattle, WA $1,081
Columbus, OH $929
Indianapolis, IN $945

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Toyota FJ Cruiser Insurance Rates by Driver Age
Driver Age Premium
16 $4,294
20 $2,496
30 $1,136
40 $1,110
50 $1,016
60 $994

Full coverage, $500 deductibles

Rates by Deductible

2011 Toyota FJ Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,320
$250 $1,226
$500 $1,110
$1,000 $998

Full coverage, driver age 40

Rates by Liability Limit

Toyota FJ Cruiser Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,110
50/100 $1,203
100/300 $1,319
250/500 $1,620
100 CSL $1,249
300 CSL $1,504
500 CSL $1,690

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Toyota FJ Cruiser Insurance Rates for High Risk Drivers
Age Premium
16 $6,062
20 $3,970
30 $2,394
40 $2,366
50 $2,256
60 $2,234

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $48
Online Quote $76
Total Discounts $435
Rate after discounts $675

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

Find companies with the cheapest rates in your area

2011 Toyota FJ Cruiser Insurance Rates by State
State Premium
Alabama $1,004
Alaska $852
Arizona $924
Arkansas $1,110
California $1,266
Colorado $1,062
Connecticut $1,144
Delaware $1,258
Florida $1,390
Georgia $1,026
Hawaii $798
Idaho $750
Illinois $828
Indiana $836
Iowa $750
Kansas $1,056
Kentucky $1,516
Louisiana $1,646
Maine $686
Maryland $916
Massachusetts $890
Michigan $1,930
Minnesota $930
Mississippi $1,332
Missouri $986
Montana $1,192
Nebraska $876
Nevada $1,332
New Hampshire $800
New Jersey $1,240
New Mexico $984
New York $1,170
North Carolina $640
North Dakota $908
Ohio $768
Oklahoma $1,142
Oregon $1,018
Pennsylvania $1,058
Rhode Island $1,484
South Carolina $1,006
South Dakota $936
Tennessee $972
Texas $1,340
Utah $822
Vermont $762
Virginia $664
Washington $858
West Virginia $1,018
Wisconsin $770
Wyoming $990

Free Auto Insurance Comparison

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