How to Find Cheap Toyota Tundra Insurance Quotes

Toyota Tundra insurance rates cost $1,468 a year, or around $122 a month. On average, Toyota Tundra comprehensive insurance coverage costs $358, collision coverage costs $522, and liability coverage costs $414.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 27, 2020

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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 $49 per month for liability-only coverage and $122 per month for full coverage. Teen drivers and other high-risk drivers could pay up to $447 per month. Continue reading to learn how you can save money on Toyota Tundra insurance rates.

You can start comparing quotes for Toyota Tundra 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 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 Nissan Frontier, Dodge Ram, and Ford Ranger.

VehicleComprehensiveCollisionLiabilityTotal
Toyota Tundra$336$532$420$1,468
Nissan Frontier$294$500$420$1,394
Dodge Ram$362$562$420$1,524
Ford Ranger$254$470$372$1,254
Toyota Tacoma$294$482$390$1,324
Honda Ridgeline$306$536$450$1,472
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 can impact the total price you will pay for Toyota Tundra auto insurance coverage.

Age of the Vehicle

Older Toyota Tundra models generally cost less to insure. For example, auto insurance for a 2020 Toyota Tundra costs $1,468, while the 2010 Toyota Tundra insurance costs are $1,230, a difference of $238.

Model YearComprehensiveCollisionLiabilityTotal
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 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 Phoenix may pay $807 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Tundra auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Tundra auto insurance rates with violations on their driving record.

Toyota Tundra Safety Ratings

Your Toyota Tundra auto insurance rates are tied to the Toyota Tundra’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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 TestedOverallFrontalSideRollover
2019 Toyota Tundra PU/EC 4WD4 stars4 stars5 stars4 stars
2019 Toyota Tundra PU/EC 2WD4 stars4 stars5 stars3 stars
2019 Toyota Tundra PU/CC 4WD4 stars4 stars5 stars4 stars
2019 Toyota Tundra PU/CC 2WD4 stars4 stars5 stars3 stars
2018 Toyota Tundra PU/EC 4WD4 stars4 stars5 stars4 stars
2018 Toyota Tundra PU/EC 2WD4 stars4 stars5 stars3 stars
2018 Toyota Tundra PU/CC 4WD4 stars4 stars5 stars4 stars
2018 Toyota Tundra PU/CC 2WD4 stars4 stars5 stars3 stars
2017 Toyota Tundra PU/RC 4WD4 stars4 stars5 stars4 stars
2017 Toyota Tundra PU/RC 2WD4 stars4 stars5 stars3 stars
2017 Toyota Tundra PU/EC 4WD4 stars4 stars5 stars4 stars
2017 Toyota Tundra PU/EC 2WD4 stars4 stars5 stars3 stars
2017 Toyota Tundra PU/CC 4WD4 stars4 stars5 stars4 stars
2017 Toyota Tundra PU/CC 2WD4 stars4 stars5 stars3 stars
2016 Toyota Tundra PU/RC 4WD4 stars4 stars5 stars4 stars
2016 Toyota Tundra PU/RC 2WD4 stars4 stars5 stars3 stars
2016 Toyota Tundra PU/EC 4WD4 stars4 stars5 stars4 stars
2016 Toyota Tundra PU/EC 2WD4 stars4 stars5 stars3 stars
2016 Toyota Tundra PU/CC 4WD4 stars4 stars5 stars4 stars
2016 Toyota Tundra PU/CC 2WD4 stars4 stars5 stars3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Toyota Tundra Safety Features

Good Toyota Tundra safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Toyota Tundra are:

  • 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

Insurance loss probability on the Toyota Tundra fluctuates between each type of coverage. The lower percentage means lower Toyota Tundra insurance rates; higher percentages mean higher Toyota Tundra auto insurance rates.

Insurance Coverage CategoryLoss Rate
Collision-12%
Property Damage5%
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 insurance rates from the best auto insurance 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 auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Toyota Tundra insurance rates low.

  • Compare Toyota Tundra Quotes Online
  • Buy a Toyota Tundra with an Anti-Theft Device
  • Never Drink and Drive Your Toyota Tundra
  • Save Money on Young Driver Toyota Tundra Insurance By Mentioning Grades or GPA
  • Don’t Assume your Toyota Tundra is Cheaper to Insure than another vehicle. Compare. Compare. Compare.

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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Toyota Tundra Insurance Quotes Online

You can start comparing quotes for Toyota Tundra insurance rates from some of the top auto insurance companies by using our free online tool today.

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