Compare Toyota Tundra Insurance Quotes [List of Money Saving Tips]

If you want to buy Toyota Tundra auto insurance coverage online then a policy will cost $122 per month ($1,468 per year) on average. On average, comprehensive coverage costs $358, collision coverage costs $522, and liability coverage costs $414 for Toyota Tundra insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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

Do you need help finding cheap Toyota Tundra insurance rates? Good drivers can save as much as $605 a year by earning policy discounts. Read on to learn what else you can do to save on insurance rates for a Toyota Tundra.

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 3500HD, Nissan Frontier, and GMC Canyon.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $336 $532 $420 $1,468
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Nissan Frontier $294 $500 $420 $1,394
GMC Canyon $270 $478 $398 $1,304
Toyota Tacoma $294 $482 $390 $1,324
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Ford Ranger $254 $470 $372 $1,254
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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 for a 2020 Toyota Tundra costs $1,468, while a 2010 Toyota Tundra insurance costs 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
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Driver Age

Driver age can have a significant effect on Toyota Tundra car insurance rates. For example, 20-year-old drivers pay $1,795 more for their Toyota Tundra car 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 $210 a year more than drivers in Houston.

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 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
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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
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Toyota Tundra Safety Features

The safety features of the Toyota Tundra can impact your Toyota Tundra car insurance rates. The 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Toyota Tundra, others are more favorable and lead to lower insurance rates.

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
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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

You have more options at your disposal to save money on your Toyota Tundra car insurance costs. For example, try these five tips:

  • Save Money on Young Driver Toyota Tundra Insurance By Mentioning Grades or GPA
  • Ask for a New Toyota Tundra Auto Insurance Rate Based on Your Improved Credit Score
  • Ask for a Toyota Tundra Discount If You Have College Degree or Higher
  • Be Picky About Who Drives Your Toyota Tundra
  • Ask About Loyalty Discounts

Top Toyota Tundra Insurance Companies

The best auto insurance companies for Toyota Tundra car insurance rates will offer competitive rates, discounts, and account for the Toyota Tundra’s safety features. The following list of car 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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Save money by comparing Toyota Tundra insurance rates with free quotes online now!

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