2013 Toyota FJ Cruiser Car Insurance Calculator

Explore and understand how different driver and vehicle factors impact the cost of insurance for a 2013 Toyota FJ Cruiser. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and FJ Cruiser trim level. Get instant feedback the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2013 Toyota FJ Cruiser is $1,302 per year, or about $109 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

$1,302

Cost Per Month

$109

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 2013 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.

$1,302
Average Rate
Your Rate
$1,302

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.

The 'Average Rate' is a combined value for all 2013 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 2013 Toyota FJ Cruiser is $1,302.

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.

2013 Toyota FJ Cruiser vs. the Midsize SUV Segment

The table below compares insurance rates for the 2013 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.

2013 Toyota FJ Cruiser Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Toyota FJ Cruiser$1,302--
2Ford Flex$1,306$4
3Ford Edge$1,318$16
4Subaru Outback$1,320$18
5Honda Pilot$1,368$66
6Nissan Xterra$1,374$72
7Chevrolet Traverse$1,384$82
8Dodge Journey$1,420$118
9Kia Sorento$1,438$136
10Mazda CX-9$1,452$150
11Toyota Highlander$1,458$156
12Jeep Grand Cherokee$1,466$164
2013 Midsize SUV Average$1,476$174
13Toyota Venza$1,478$176
14Jeep Wrangler$1,498$196
15Ford Explorer$1,520$218
16Hyundai Santa Fe$1,528$226
17Nissan Pathfinder$1,534$232
18Dodge Durango$1,538$236
19Nissan Murano$1,544$242
20Toyota 4Runner$1,558$256
21GMC Acadia$1,578$276
22Buick Enclave$1,716$414
23Volkswagen Touareg$1,858$556

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.

2013 FJ Cruiser Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Toyota FJ Cruiser Insurance Rates by Trim Level
2013 Toyota FJ Cruiser Trim Level Annual Premium Cost Per Month
2WD$1,292$108
4WD$1,312$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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Toyota FJ Cruiser for different driver ages.

2013 Toyota FJ Cruiser Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,905$409
17$4,697$391
18$4,102$342
19$3,763$314
20$2,846$237
21$2,707$226
22$2,403$200
23$1,991$166
24$1,868$156
25$1,508$126
30$1,376$115
35$1,340$112
40$1,302$109
45$1,228$102
50$1,168$97
55$1,092$91
60$1,094$91
65$1,170$98
70$1,284$107
75$1,546$129
80$1,922$160

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.