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2013 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 2013 Toyota FJ Cruiser are $1,172 a year for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $296, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,494 or more. Teen drivers receive the highest rates at up to $4,472 a year.

Annual premium for full coverage: $1,172

Rate estimates for 2013 Toyota FJ Cruiser Insurance

Comprehensive $258
Collision $296
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 a driver in their 40's, prices range range from as low as $510 for only liability insurance to the much higher price of $2,494 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,172
High Risk $2,494

View Chart as Image

2013 Toyota FJ Cruiser insurance rates compared
Column chart showing 2013 Toyota FJ Cruiser insurance prices range from $707 to $4,472 for full coverage

These differences show why everyone should compare prices for a targeted area 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 2013 Toyota FJ Cruiser Insurance

Searching Companies

Searching for lower car insurance rates for your Toyota FJ Cruiser? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. Although vehicle owners can benefit by having an understanding of how the larger insurance companies market insurance on the web.

Which Car Insurance is Cheapest?

When shopping for car insurance there are multiple ways of comparing price quotes from different insurance companies. The easiest way by far to find the cheapest 2013 Toyota FJ Cruiser insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

The recommended way to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form entry for each company you want a rate for. One quote request will return price quotes from multiple low-cost companies.

Another way to compare rate quotes requires a visit to each individual company website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Liberty Mutual, GEICO and Allstate. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make absolute certain that you use exactly the same information for every quote you compare. If the quotes have different liability limits you can’t possibly find the best deal for your Toyota FJ Cruiser. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that having more price comparisons helps you find a lower rate.

Discounts are basically free money

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using.

  • Claim Free – Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance for FJ Cruiser insurance.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy on their website.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.

To see a list of companies who offer insurance discounts, click here.

Free Auto Insurance Comparison

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Which insurance is the “right” coverage?

When choosing coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • When should my teen driver be added to my policy?
  • Am I covered when using my vehicle for business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the rate difference between pleasure use and commuting?
  • Does insurance cover tools stolen from my truck?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance policy coverages for a Toyota FJ Cruiser

Understanding the coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota FJ Cruiser.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, vandalism, a broken windshield, damage from getting keyed and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for doctor visits, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays for damage to your FJ Cruiser resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Toyota FJ Cruiser Insurance Rates by City
City Premium
New York City, NY $1,854
Los Angeles, CA $2,001
Philadelphia, PA $1,565
Jacksonville, FL $1,703
Phoenix, AZ $1,364
Chicago, IL $1,570
Houston, TX $1,838
Seattle, WA $1,144
Columbus, OH $980
Indianapolis, IN $997

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Toyota FJ Cruiser Insurance Rates by Driver Age
Driver Age Premium
16 $4,472
20 $2,634
30 $1,206
40 $1,172
50 $1,072
60 $1,048

Full coverage, $500 deductibles

Rates by Deductible

2013 Toyota FJ Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,410
$250 $1,302
$500 $1,172
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Toyota FJ Cruiser Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,264
100/300 $1,379
250/500 $1,678
100 CSL $1,310
300 CSL $1,563
500 CSL $1,747

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Toyota FJ Cruiser Insurance Rates for High Risk Drivers
Age Premium
16 $6,324
20 $4,186
30 $2,532
40 $2,494
50 $2,380
60 $2,356

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 $153

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $81
Total Discounts $465
Rate after discounts $707

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

Find companies with the cheapest rates in your area

2013 Toyota FJ Cruiser Insurance Rates by State
State Premium
Alabama $1,062
Alaska $898
Arizona $974
Arkansas $1,172
California $1,334
Colorado $1,120
Connecticut $1,206
Delaware $1,326
Florida $1,468
Georgia $1,080
Hawaii $842
Idaho $794
Illinois $872
Indiana $882
Iowa $790
Kansas $1,114
Kentucky $1,600
Louisiana $1,734
Maine $724
Maryland $968
Massachusetts $938
Michigan $2,038
Minnesota $982
Mississippi $1,404
Missouri $1,040
Montana $1,260
Nebraska $924
Nevada $1,406
New Hampshire $844
New Jersey $1,310
New Mexico $1,040
New York $1,236
North Carolina $674
North Dakota $960
Ohio $810
Oklahoma $1,206
Oregon $1,072
Pennsylvania $1,118
Rhode Island $1,564
South Carolina $1,062
South Dakota $990
Tennessee $1,026
Texas $1,414
Utah $868
Vermont $802
Virginia $704
Washington $908
West Virginia $1,074
Wisconsin $810
Wyoming $1,046

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