About $1,064 a year for full coverage on a national average — 26% less than the $1,438 average car. Insurers rate the Toyota FJ Cruiser at an index of 74 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2012-2014).
The premium isn't spread evenly across the Toyota FJ Cruiser: Property damage — damage you cause to other property — carries its highest loss index at 118, while Medical payments sits at 57. Those 61 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2014 FJ Cruiser sells for a median $27,708, so a year of cover costs 3.8% of the car's value. Over 8 generations of data the index has fallen from 105 (2005-2007) to 74 (2012-2014). Calculated from 16 insurance-loss records and live US listing prices.
Why a FJ Cruiser costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,064: Liability (BI + PD) $511 · Collision $298 · Comprehensive $128 · Other (UM / PIP) $128.
How it changed by generation
Insurance-loss index of the FJ Cruiser across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The FJ Cruiser has become cheaper to insure over time (-31 points).
What a FJ Cruiser costs by state
Where you park matters as much as what you drive. The FJ Cruiser's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | FJ Cruiser est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +27% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Toyota FJ Cruiser's loss index of 74 — your own quote also depends on age, record, deductible and ZIP.
Toyota FJ Cruiser insurance — frequently asked
How much is insurance for a Toyota FJ Cruiser?
About $1,064 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 74 applied to the US average premium.
Why is the FJ Cruiser expensive or cheap to insure?
For the Toyota FJ Cruiser the costliest area is Property damage at an index of 118, covering damage you cause to other property — against 57 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Toyota FJ Cruiser lands at 74, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 3.8% of what a 2014 FJ Cruiser sells for — $1,064 against a median price of $27,708. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 3.8% the FJ Cruiser sits on the cheap side of it.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same FJ Cruiser can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.