Toyota Tundra Auto Insurance (2024)
Toyota Tundra 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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Jun 23, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,468 a year or $122 each month
- A liability-only policy costs around $588 a year or $49 each month
- Highest rates are for teenage drivers at around $5,366 a year or $447 each month
- Good drivers can save as much as $605 a year by earning policy discounts
- Toyota Tundra insurance costs around $51 less per year than the average vehicle
Toyota Tundra insurance rates are $122 per month for full coverage and $49 per month for liability-only coverage. Teen drivers have an average rate of $447 per month, but parents can save money on teen driver insurance through policy discounts. Continue reading to learn how you can be eligible for cheaper Toyota Tundra insurance rates.
You can start comparing quotes for Toyota Tundra auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Toyota Tundra Insurance Cost
The average Toyota Tundra auto insurance rates 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 Ford Ranger, Toyota Tacoma, and Chevrolet Colorado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Tundra | $336 | $532 | $420 | $1,468 |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
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 will affect the total price you will pay for Toyota Tundra insurance coverage.
Age of the Vehicle
Older Toyota Tundra models generally cost less to insure. For example, auto insurance rates for a 2020 Toyota Tundra are $1,468, while the 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 Toyota Tundra auto insurance rates. For example, 20-year-old drivers pay $1,795 more for their Toyota Tundra auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Tundra insurance rates. For example, drivers in Los Angeles may pay $543 a year more than drivers in Philadelphia.
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 auto 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 | Poor |
| 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
Not only do good Toyota Tundra crash test ratings mean you are better protected in a crash, but good Toyota Tundra crash ratings also mean cheaper insurance rates.
| 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 lower percentage means lower Toyota Tundra auto insurance rates; higher percentages mean higher Toyota Tundra auto insurance rates. Insurance loss probability on the Toyota Tundra fluctuates between each type of coverage.
| 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 coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Tundra auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Toyota Tundra Insurance
Although it may seem like your Toyota Tundra auto insurance rates are set, there are a few measures that you can take to secure the best Toyota Tundra auto insurance rates possible. Take a look at the following five ways to save on Toyota Tundra auto insurance.
- Remove Young Drivers from Your Toyota Tundra Auto Insurance Policy When They Move Out or Go to School
- Re-Check Toyota Tundra Insurance Rates Every 6 Months
- Ask for a Toyota Tundra Discount If You Have College Degree or Higher
- Check the Odometer on Your Toyota Tundra
- Audit Your Toyota Tundra Driving When You Move to a New Location or Start a New Job
Top Toyota Tundra Insurance Companies
The best auto insurance companies for Toyota Tundra auto insurance rates will offer competitive rates, discounts, and account for the Toyota Tundra’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| 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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Start comparing Toyota Tundra auto insurance quotes for free by using our FREE online comparison tool.
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Frequently Asked Questions
How much does Toyota Tundra insurance cost?
The average annual cost of Toyota Tundra insurance is $1,468, which translates to approximately $122 per month.
How does the age of the vehicle affect Toyota Tundra insurance rates?
Generally, older Toyota Tundra models have lower insurance rates. For example, a 2020 Toyota Tundra may cost $1,468 to insure, while a 2010 model could cost $1,230.
Which insurance companies offer coverage for Toyota Tundra?
Some of the top auto insurance companies that provide coverage for Toyota Tundra include State Farm, Geico, Progressive, Liberty Mutual, Allstate, Travelers, USAA, Chubb, Farmers, and Nationwide.
How do Toyota Tundra safety features affect insurance costs?
Toyota Tundra’s safety features, such as driver and passenger airbags, ABS, stability control, and more, can help lower insurance costs.
Can I transfer my current insurance policy to a new Toyota Tundra?
Yes, if you already have an existing auto insurance policy, you can typically transfer it to your new Toyota Tundra. Contact your insurance provider to update the vehicle information and ensure continuous coverage.
How does my credit score affect my Toyota Tundra insurance rates?
In some states, insurance companies may consider your credit score when determining your insurance rates. A higher credit score is generally associated with lower insurance premiums, as it is seen as an indicator of responsible financial behavior.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.