1. Vehicles
  2. Toyota
  3. FJ Cruiser
  4. 2014 Model Year

2014 Toyota FJ Cruiser Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Apr 14, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2014 Toyota FJ Cruiser are $1,214 a year including full coverage. Comprehensive costs around $270, collision costs $330, and liability insurance costs $456. Buying a liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,588. Teen drivers receive the highest rates at $4,600 a year or more.

Annual premium for full coverage: $1,214

Rate estimates for 2014 Toyota FJ Cruiser Insurance

Comprehensive $270
Collision $330
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 $508 for only liability insurance to the much higher price of $2,588 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,214
High Risk $2,588

View Chart as Image

2014 Toyota FJ Cruiser insurance rates compared
Column chart showing 2014 Toyota FJ Cruiser insurance prices range from $728 to $4,600 for full coverage

These differences highlight why everyone should compare rates for a specific zip code 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 2014 Toyota FJ Cruiser Insurance

Searching Companies

Searching for lower car insurance rates for your Toyota FJ Cruiser? Are you intimidated by the number of car insurance options? Many other consumers are too. Drivers have so many options available that it can easily become a challenge to find better rates.

You need to compare rates once or twice a year because prices fluctuate regularly. Despite the fact that you may have had the lowest rates for FJ Cruiser insurance six months ago the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because I’m going to teach you the fastest and easiest way to save on car insurance.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Although car owners must know how insurance companies market on the web and use this information to your advantage.

More discounts equal less premium

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using.

  • Student in College – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • E-sign – Some insurance companies will give a small break simply for signing on their website.
  • Club Memberships – Affiliation with certain professional organizations could trigger savings when buying auto insurance for FJ Cruiser insurance.
  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for FJ Cruiser insurance than drivers with accidents.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.

It’s important to note that some credits don’t apply the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers with the best auto insurance discounts, click here to view.

Insurance Coverage Comparisons

The are a couple different ways to get quotes from local insurance coverage companies. One of the best ways to find the cheapest 2014 Toyota FJ Cruiser insurance rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  1. One of the best ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quote forms for every insurance coverage company. Completing one form will return quotes instantly. Just one form and you’re done.
  2. A different way to obtain and compare quotes online is going to the website for every company you want to comare and fill out their own quote form. For instance, we’ll assume you want rates from GEICO, Esurance and American Family. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare exactly the same coverages and limits on every quote you get. If you enter different deductibles then you won’t be able to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. And when comparison shopping, comparing more company’s prices gives you a better chance of getting the best offered rates.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

It’s not one size fits all

When buying proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • What is PIP insurance?
  • Can I still get insurance after a DUI?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I crash into my own garage door?
  • Where can I find high-risk insurance?
  • Do I need rental car coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Parts of your car insurance policy

Knowing the specifics of car insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills like dental work, hospital visits and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as legal defense fees, court costs, medical expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Toyota FJ Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverages – This 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 hitting a mailbox, driving through your garage door, crashing into a building, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Be a smart shopper

You just read a lot of techniques to get a better price on 2014 Toyota FJ Cruiser insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier.

Drivers who switch companies do it for many reasons like policy cancellation, an unsatisfactory settlement offer, policy non-renewal or poor customer service. It doesn’t matter what your reason, switching insurance coverage companies can be easier than you think.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. In many instances, drivers have reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

For more information, take a look at the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2014 Toyota FJ Cruiser Insurance Rates by City
City Premium
New York City, NY $1,917
Los Angeles, CA $2,076
Philadelphia, PA $1,621
Jacksonville, FL $1,763
Phoenix, AZ $1,411
Chicago, IL $1,631
Houston, TX $1,901
Seattle, WA $1,182
Columbus, OH $1,014
Indianapolis, IN $1,033

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Toyota FJ Cruiser Insurance Rates by Driver Age
Driver Age Premium
16 $4,600
20 $2,734
30 $1,250
40 $1,214
50 $1,108
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

2014 Toyota FJ Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,354
$500 $1,214
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

Toyota FJ Cruiser Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,214
50/100 $1,305
100/300 $1,419
250/500 $1,716
100 CSL $1,351
300 CSL $1,602
500 CSL $1,784

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Toyota FJ Cruiser Insurance Rates for High Risk Drivers
Age Premium
16 $6,518
20 $4,344
30 $2,628
40 $2,588
50 $2,468
60 $2,444

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 $159

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $78
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $84
Total Discounts $486
Rate after discounts $728

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

Find companies with the cheapest rates in your area

2014 Toyota FJ Cruiser Insurance Rates by State
State Premium
Alabama $1,098
Alaska $930
Arizona $1,008
Arkansas $1,214
California $1,384
Colorado $1,160
Connecticut $1,248
Delaware $1,374
Florida $1,520
Georgia $1,120
Hawaii $872
Idaho $820
Illinois $906
Indiana $914
Iowa $818
Kansas $1,152
Kentucky $1,656
Louisiana $1,796
Maine $750
Maryland $1,000
Massachusetts $972
Michigan $2,108
Minnesota $1,016
Mississippi $1,454
Missouri $1,076
Montana $1,304
Nebraska $956
Nevada $1,456
New Hampshire $874
New Jersey $1,356
New Mexico $1,076
New York $1,278
North Carolina $700
North Dakota $992
Ohio $838
Oklahoma $1,246
Oregon $1,112
Pennsylvania $1,158
Rhode Island $1,620
South Carolina $1,098
South Dakota $1,024
Tennessee $1,062
Texas $1,462
Utah $900
Vermont $832
Virginia $728
Washington $938
West Virginia $1,112
Wisconsin $840
Wyoming $1,082

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles