Compare Toyota Tundra Car Insurance Rates [2024]
Average Toyota Tundra car insurance rates cost $1,468 a year, or around $122 a month. Shop around to find cheap Toyota Tundra insurance rates. On average, Toyota Tundra comprehensive insurance coverage costs $358, collision coverage costs $522, and liability coverage costs $414.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Dec 21, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The typical annual insurance rate for a Toyota Tundra is around $1,250
- The Toyota Tundra has been voted the most dependable large pickup by J.D. Power
- Because the truck boasts many safety and anti-theft features, owners pay less in insurance premiums
Toyota Tundra insurance rates are around $1,468 a year or $122 a month for full coverage. Good drivers can qualify for up to $605 in good driver discounts on their policy by practicing safe driving habits. Let’s take a closer look at Toyota Tundra insurance rates, safety ratings, and more.
You can start comparing quotes for Toyota Tundra car insurance rates from some of the best car insurance companies by using our free online tool now.
Toyota Tundra Insurance Cost
The average Toyota Tundra car insurance costs are $1,468 a year or $122 a month.
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Are Toyota Tundras Expensive to Insure?
The chart below details how Toyota Tundra insurance rates compare to other trucks like the Chevrolet Silverado 2500HD, Nissan Frontier, and Chevrolet Silverado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Tundra | $336 | $532 | $420 | $1,468 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
What Impacts the Cost of Toyota Tundra Insurance?
The Toyota Tundra trim and model you choose can impact the total price you will pay for Toyota Tundra insurance coverage.
Age of the Vehicle
The average Toyota Tundra car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Toyota Tundra are $1,468, while 2010 Toyota Tundra rates are $1,230, a difference of $238.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Toyota Tundra | $336 | $532 | $420 | $1,468 |
| 2019 Toyota Tundra | $320 | $512 | $440 | $1,452 |
| 2018 Toyota Tundra | $306 | $506 | $450 | $1,442 |
| 2017 Toyota Tundra | $296 | $494 | $470 | $1,440 |
| 2016 Toyota Tundra | $286 | $474 | $486 | $1,426 |
| 2015 Toyota Tundra | $270 | $458 | $500 | $1,408 |
| 2014 Toyota Tundra | $260 | $424 | $510 | $1,374 |
| 2013 Toyota Tundra | $250 | $400 | $514 | $1,344 |
| 2012 Toyota Tundra | $240 | $358 | $520 | $1,298 |
| 2011 Toyota Tundra | $224 | $330 | $520 | $1,254 |
| 2010 Toyota Tundra | $216 | $310 | $524 | $1,230 |
Driver Age
Driver age can have a significant effect on the cost of Toyota Tundra car insurance. For example, a 20-year-old driver could pay around $150 more each month for their Toyota Tundra car insurance than 30-year-old driver.
Driver Location
Where you live can have a large impact on Toyota Tundra insurance rates. For example, drivers in Phoenix may pay $807 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on your Toyota Tundra auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Tundra car insurance with violations on their driving record.
Toyota Tundra Safety Ratings
Your Toyota Tundra auto insurance rates are influenced by the Toyota Tundra’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Toyota Tundra Crash Test Ratings
Good Toyota Tundra crash test ratings can lower your Toyota Tundra auto insurance rates. See Toyota Tundra crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota Tundra PU/RC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Tundra PU/RC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota Tundra PU/RC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Tundra PU/RC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Toyota Tundra Safety Features
The Toyota Tundra safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota Tundra has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Lane Departure Warning
Toyota Tundra Insurance Loss Probability
The Toyota Tundra’s insurance loss probability varies between different coverage types. The lower percentage means lower Toyota Tundra auto insurance costs; higher percentages mean higher Toyota Tundra auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -12% |
|---|---|
| Property Damage | 5% |
| Comprehensive | -4% |
| Personal Injury | -37% |
| Medical Payment | -25% |
| Bodily Injury | -6% |
| Source: Insurance Institute for Highway Safety | |
Toyota Tundra Finance and Insurance Cost
If you are financing a Toyota Tundra, most lenders will require your carry higher Toyota Tundra coverages including comprehensive coverage, so be sure to compare Toyota Tundra car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Toyota Tundra Insurance
There are many ways that you can save on Toyota Tundra car insurance. Below are five actions you can take to find cheap Toyota Tundra auto insurance rates.
- Ask About Welcome Discounts
- Improve Your Credit Score
- Consider Renting a Car Instead of Buying a Second Toyota Tundra
- Buy An Older Toyota Tundra
- Don’t Always Pick the Cheapest Toyota Tundra Insurance Policy
Top Toyota Tundra Insurance Companies
Who is the top auto insurance company for Toyota Tundra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Tundra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Tundra offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Many Toyota enthusiasts rejoiced to see the emergence of an import full-size pickup on the U.S. market, and at an average cost of $1,253 for a 12-month insurance policy, the Toyota Tundra continues to elate its supporters.
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The Toyota Tundra is a full-size pickup that competes with the big three American truck brands very nicely. It offers some very valuable insurance advantages as well.
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What advantages does the Toyota Tundra offer?
Toyota offers a two-year, 25,000-mile warranty standard with every new Tundra. This warranty includes a complimentary maintenance plan, as well as roadside assistance.
Insurance companies view this with favor because the manufacturer will cover most of the repair expenses and lower the amount of money the insurer has the potential of paying out on the policy.
Standard features on the Toyota Tundra help to lower insurance rates as well.
This truck comes with daytime running lights, a tire pressure monitor system, anti-lock brakes, an advanced air bag system, and smart stop technology.
All of these features help to increase the safety of the Toyota Tundra, which gives peace of mind to both Tundra owners and their insurers.
In addition, Toyota offers optional features for the Tundra that may decrease insurance rates; namely, the anti-theft system, which includes an alarm and engine immobilizer.
Alarms decrease the risk of theft and insurers, for obvious reasons, view this in a positive light.
How much importance do reliability and safety carry in terms of insurance rates?
Toyota has long been considered to be a leader in the automotive market in terms of its safety and reliability. The Tundra does not deviate from this reputation.
It has been ranked as the most dependable large pickup for the past six years by J.D. Power and Associates. This is an important ranking because it validates the belief that the Tundra does not present a significant risk to the insurer in terms of repair costs.
The Tundra also receives high marks for safety. Both the 2011 and the 2012 models received an overall 4-Star Safety rating from the federal government.
This rating is a combination of the Tundra’s rollover resistance test score, as well as its scores in the frontal and side crash tests. An insurer will view a vehicle that receives good safety ratings more favorably than one that does not receive high marks.
The respectable safety ratings, combined with the standard safety features, provide a distinct advantage for the Toyota Tundra. This will be reflected in car insurance policy quotes.
Beyond those discussed above, what other factors will impact my insurance rate?
Insurers companies base their quotes on the amount of risk they believe they are taking by issuing an insurance policy. If a driver or a vehicle is seen as high-risk, the insurer will charge more because there is a greater probability of money going out on the policy.
They like to see good safety and reliability scores because it lowers their risk, but there are other aspects of both the vehicle and the driver that they believe will lower their risk as well.
The first risk factor is age.
Younger drivers are not as experienced as their older counterparts and there is a higher probability that they will be in an accident.
If the probability is higher that the insurer will have to pay a claim, the insurance rate will logically be higher. In general, those under the age of 25 will see higher rates while those in their fifties will most likely enjoy the lowest rates.
Gender and marital status also play into the risk equation. Females are viewed as safer drivers by insurance companies, as are drivers who are married. Statistics generally support these stereotypes.
The second risk factor is your driving record.
If you have multiple traffic violations then you are going to be considered a higher risk for the insurance companies, which will be reflected in your premium.
Geography is the third risk factor taken into account by insurers.
Some areas have a great deal of traffic congestion and, therefore, a higher incidence of accidents, which poses a higher risk to the insurer. Also, there are areas that have high rates of theft, which pose a higher risk as well.
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Frequently Asked Questions
How can I compare car insurance rates for a Toyota Tundra?
To compare car insurance rates for a Toyota Tundra, you can start by reaching out to different insurance companies directly and requesting quotes. Many insurance providers have online tools or dedicated phone lines where you can obtain quotes specific to the Toyota Tundra. Additionally, you can use online comparison platforms that allow you to compare quotes from multiple insurers, making it easier to find the best rate for your Toyota Tundra.
What factors affect car insurance rates for a Toyota Tundra?
Car insurance rates for a Toyota Tundra are influenced by various factors. Common factors include the model and year of the vehicle, your driving record, your age, gender, and marital status, your location, the coverage options you choose, and your deductible amount. Additionally, factors such as the cost of repairs, the likelihood of theft or accidents for the Toyota Tundra, and the frequency of insurance claims for this particular model can impact insurance rates.
Are car insurance rates higher for Toyota Tundra compared to other truck models?
Car insurance rates can vary depending on the specific make and model of the vehicle, as well as other factors. While the Toyota Tundra is a popular truck known for its reliability and towing capabilities, insurance rates can still vary based on factors such as the cost of repairs, the likelihood of theft or accidents, and the frequency of insurance claims for this particular model. It’s recommended to compare rates from multiple insurers to get a better understanding of how Toyota Tundra car insurance rates compare to other truck models.
Are there any discounts available for Toyota Tundra car insurance?
Yes, many insurance companies offer various discounts that can help you save on Toyota Tundra car insurance. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, and discounts for having safety features installed in your vehicle. Additionally, if you use your Toyota Tundra for business purposes, you may qualify for additional discounts or specialized commercial auto insurance coverage.
How can I lower my car insurance rates for my Toyota Tundra?
There are several strategies you can consider to lower your car insurance rates for your Toyota Tundra. Maintaining a clean driving record, opting for higher deductibles, bundling multiple policies with the same insurer, and taking advantage of available discounts are some effective methods. Additionally, the safety features of the Toyota Tundra, such as anti-lock brakes, airbags, and an anti-theft system, can help lower insurance rates.
Is it necessary to have full coverage car insurance for a Toyota Tundra?
Whether you need full coverage car insurance for your Toyota Tundra depends on various factors, including your personal circumstances and preferences. While liability insurance is typically required by law, full coverage, which includes comprehensive and collision coverage, is not mandatory. However, if your Toyota Tundra is financed or leased, the lender or leasing company may require you to have full coverage until the loan or lease is paid off.
What should I do if I can’t afford car insurance for my Toyota Tundra?
If you’re struggling to afford car insurance for your Toyota Tundra, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from different insurance companies to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.