Toyota Fj-Cruiser Insurance Rates
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UPDATED: Apr 14, 2020
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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.
There are many options when buying insurance for your Toyota Fj-Cruiser. You can either buy through an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.
shopping for insurance may think buying cheap Toyota Fj-Cruiser insurance is very challenging. Finding lower Toyota Fj-Cruiser insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.
Car insurance premiums for a Toyota Fj-Cruiser will vary greatly based upon several criteria. Some of these factors include:
- The performance level of your Fj-Cruiser
- Your accident history
- Use of your vehicle
- Extra coverages like towing and rental
- Your claim history
- No coverage lapses saves money
- Whether you own your home
An additional factor Toyota Fj-Cruiser insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.
Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.
Collision coverage - pays for damage to your Fj-Cruiser caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Toyota Fj-Cruiser collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .
Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.
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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