Vehicles > Toyota > FJ Cruiser

Toyota FJ Cruiser Insurance Rates

Comparing auto insurance through online providers is simple to do, plus you may find lower rates. The critical component is getting as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Using the web to shop for auto insurance direct can be difficult if you have never used quoting online. But don't let that discourage you because we're going to show you how. Getting better FJ Cruiser insurance cost is surprisingly easy. Just take time to compare quotes online with multiple companies. This can be done by getting a quick quote here.

Rates are determined by these things

Insurance premiums for a Toyota FJ Cruiser can be significantly different subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Better credit means lower rates
  • Male drivers pay higher rates
  • The deductible you choose
  • Crash test rating for your FJ Cruiser
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older Toyota models so the payout to repair may end up costing you more. Although new Toyota models have more advanced features included like all-wheel drive, a telematics system, and autonomous braking that may help help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability auto insurance - FJ Cruiser liability coverage provides protection from damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. FJ Cruiser collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper FJ Cruiser insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Toyota FJ Cruiser Insurance Rates?