Toyota FJ Cruiser Car Insurance Calculator

Watch in real-time how different driver, vehicle, and coverage options affect the cost of insurance for a Toyota FJ Cruiser. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know if the change results in higher or lower rates.

The average estimated car insurance premium for a 2014 Toyota FJ Cruiser is $1,354 per year, or about $113 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,354

Cost Per Month

$113

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota FJ Cruiser Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Toyota FJ Cruiser.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,354
Average Rate
Your Rate
$1,354

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Toyota FJ Cruiser.

The 'Average Rate' is a combined value for all Toyota FJ Cruiser trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2014 Toyota FJ Cruiser is $1,354.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2014 Toyota FJ Cruiser vs. the Midsize SUV Segment

The table below compares insurance rates for the 2014 Toyota FJ Cruiser against all other models in the midsize SUV segment. The Toyota FJ Cruiser is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota FJ Cruiser, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota FJ Cruiser.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 Toyota FJ Cruiser Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,250-$104
2Ford Edge$1,278-$76
3Toyota Venza$1,304-$50
4Toyota FJ Cruiser$1,354--
5Nissan Xterra$1,360$6
6Ford Flex$1,426$72
7Ford Explorer$1,430$76
8Kia Sorento$1,452$98
9Dodge Journey$1,460$106
10Jeep Cherokee$1,468$114
11Honda Pilot$1,476$122
12Nissan Murano$1,486$132
13Dodge Durango$1,496$142
2014 Midsize SUV Average$1,498$144
14Chevrolet Traverse$1,502$148
15Toyota 4Runner$1,504$150
16GMC Acadia$1,516$162
17Hyundai Santa Fe$1,546$192
18Jeep Wrangler$1,558$204
19Toyota Highlander$1,568$214
20Mazda CX-9$1,572$218
21Jeep Grand Cherokee$1,668$314
22Volkswagen Touareg$1,742$388
23Nissan Pathfinder$1,750$396
24Buick Enclave$1,784$430

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2014 FJ Cruiser Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 Toyota FJ Cruiser.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2014 Toyota FJ Cruiser Insurance Rates by Trim Level
2014 Toyota FJ Cruiser Trim Level Annual Premium Cost Per Month
2WD$1,354$113
4WD$1,354$113

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2014 Toyota FJ Cruiser for different driver ages.

2014 Toyota FJ Cruiser Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,080$423
17$4,870$406
18$4,264$355
19$3,907$326
20$2,956$246
21$2,815$235
22$2,498$208
23$2,068$172
24$1,943$162
25$1,568$131
30$1,432$119
35$1,392$116
40$1,354$113
45$1,274$106
50$1,210$101
55$1,134$95
60$1,138$95
65$1,214$101
70$1,330$111
75$1,600$133
80$1,990$166

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota FJ Cruiser trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Toyota FJ Cruiser.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Toyota FJ Cruiser Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2014 Toyota FJ Cruiser$1,354$113
2013 Toyota FJ Cruiser$1,302$109

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Toyota FJ Cruiser trim levels for each model year.