Toyota Fj-Cruiser Insurance Rates
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UPDATED: Jun 4, 2023
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You found a Toyota FJ Cruiser for sale, but maybe you’re wondering about the average insurance costs. How much does an FJ Cruiser cost to insure? The average Toyota FJ Cruiser insurance rates amount to $104 per month or $1,242 annually.
However, there are a number of factors that ultimately determine FJ Cruiser costs, such as the model year of the SUV and your personal driving record. For example, drivers with rocky driving histories requiring high-risk car insurance will receive much higher insurance premiums than experienced drivers with a clean record.
If you are curious to know all about FJ insurance, including how the different FJ Cruiser trim levels lead to different rates, take advantage of this detailed article.
When you’re ready to start comparing policies, just enter your five-digit ZIP code into our free online quote tool to find Toyota FJ Cruiser insurance rates from the industry’s top companies.
Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates. The most important part is getting rates from as many companies as possible in order to have the best prices.
If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting better Toyota Fj-Cruiser insurance cost can be quick and easy. Consumers just need to take time to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.
Insurance premiums for your Toyota Fj-Cruiser can be significantly different depending on several factors. Some of these factors include:
- A clean driving record keeps rates low
- Better credit means lower rates
- Your gender can raise or lower rates
- Deductible amount directly impacts your rate
- Safety rating of your Fj-Cruiser
- Whether or not you have claims
- Maintaining coverage lowers rates
- Whether you own your home
One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Fj-Cruiser models so the payout to repair may result in lower rates. But newer models have more advanced features including forward-collision avoidance, adaptive cruise control, and active head restraints that may help lower rates.
Auto liability insurance - damage that occurs to things like legal defense fees, bail bonds, and repair bills for other people's vehicles. .
Collision coverage protection - another car or object. . , . .
Comprehensive protection - OTHER than collision with another vehicle or object. . you'll receive from a claim , .
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage . , . .
Med pay and Personal Injury Protection (PIP) - short-term medical expenses nursing services, prosthetic devices, and dental work. . .
As you can see from the information we’ve gone over to this point, it’s clear that there are differences in costs when it comes to a Toyota FJ Cruiser insurance policy. To truly get cheap car insurance, you must maintain a safe driving record, compare policies from multiple companies, and apply for any discounts you qualify for.
For example, you need to know much an FJ Cruiser costs to own, maintain, and replace before you have a good idea of what your insurance policy will look like. This is because the value of your model is directly tied to the amount you will pay for insurance.
Ultimately, the best way to find out how much an FJ Cruiser insurance policy is going to cost you is by taking advantage of our free online quote tool, just enter your five-digit ZIP code below to start shopping.
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What are the safety ratings of the Toyota FJ Cruiser?
It’s important to consider the safety ratings of the Toyota FJ Cruiser to get a proper understanding of where you might qualify for policy discounts. Looking into safety ratings can also uncover areas where your vehicle may be causing your car insurance rates to increase.
Take a look at the Toyota FJ Cruiser safety ratings below so you can see where you might be eligible for policy discounts.
- Moderate overlap front: Good
- Side: Good
- Roof strength: Acceptable
- Head restraints and seats: Good
For a frame of reference, the Insurance Institute for Highway Safety classifies ‘Good’ as the highest rating possible. The FJ Cruiser achieved that mark in every part of the SUV that was tested with the exception of the roof. Your insurance premiums will reflect these above average safety ratings.
Maintenance costs for vehicles also affect what you’ll pay for car insurance. Vehicles that cost more to fix or replace tend to receive higher insurance premiums.
Despite the fact that the Toyota FJ Cruiser was discontinued in 2014, the maintenance costs are relatively average for off-road SUVs. Fortunately, you will not see major increases in your car insurance rates.
Why did the Toyota FJ Cruiser get discontinued? Sales started to drop for this vehicle, and it also was not as fuel-efficient as Toyota preferred. However, for those wondering if Toyota FJ Cruisers hold their value, they surprisingly do.
Some experts claim the FJ Cruiser maintains upwards of 90 percent of its original value, depending on the details of your model.
In fact, some motor-enthusiasts even consider the FJ Cruiser to be a modern collectible. While this SUV does not reflect the more expensive collector car insurance rates, it’s still a popular and beloved vehicle.
Often, owning a collectible or classic vehicle means buying a more expensive policy from a specialty insurance company. However, the FJ Cruiser is still new enough to receive affordable car insurance quotes from many major companies.
Toyota FJ Cruiser Compared Against Other Vehicles in the Same Class
Officially, the Toyota FJ Cruiser is classified as a midsize four-door SUV by the Insurance Institute for Highway Safety. Other similar models include the following:
When providing you with a quote, insurance companies will consider the loss percentages of the FJ Cruiser as it compares to other similar models in this class.
The good news is that the Toyota FJ Cruiser reflects a property damage liability loss percentage of 18 percent and a bodily injury liability loss percentage of -14 percent. Both of these figures are considered standard for this vehicle class and will not cause your premiums to increase.
Now that we have gone into great detail about how the Toyota FJ Cruiser insurance rates are calculated, you’re an expert on securing affordable car insurance Toyota’s classic off-road SUV. Is a Toyota FJ Cruiser a good car for you?
If so, start comparing FJ Cruiser quotes from multiple companies by entering your five-digit ZIP code into our FREE quote tool.
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