Buy Cheap Toyota Tundra Auto Insurance in 2024
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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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Nov 27, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
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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 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
Read more: Buy Cheap Nissan Auto Insurance
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 |
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 | |
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 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 | |
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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Frequently Asked Questions
Can I find cheap auto insurance specifically for a Toyota Tundra?
Yes, it is possible to find affordable auto insurance specifically tailored for a Toyota Tundra. Insurance rates can vary based on factors such as your driving record, the model year of your vehicle, your location, and the coverage options you choose. By comparing quotes from different insurance providers and considering various discounts and coverage options, you can find the most cost-effective Toyota Tundra auto insurance for your needs.
What factors can affect the cost of Toyota Tundra auto insurance?
Several factors can influence the cost of Toyota Tundra auto insurance, including:
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower insurance premiums.
- Vehicle model year: The model year of your Toyota Tundra can impact your insurance rates. Newer models may have higher replacement costs, which can result in higher premiums.
- Coverage options: The type and level of coverage you choose will affect your insurance costs. Options such as collision coverage, comprehensive coverage, and liability coverage can impact your premiums.
- Location: Your specific location can affect your insurance rates. Factors such as population density, crime rates, and accident statistics in your area can influence the premiums you pay.
Are there any discounts available to help reduce the cost of Toyota Tundra auto insurance?
Yes, there are several discounts that may be available to help lower the cost of Toyota Tundra auto insurance:
- Multi-vehicle discount: If you insure multiple vehicles with the same provider, you may be eligible for a discount.
- Bundling discount: If you have multiple insurance policies, such as home and auto insurance, with the same provider, you may qualify for a discount.
- Good driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a good driver discount.
- Safety features discount: Some insurance companies offer discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices.
- Loyalty discount: If you have been with the same insurance provider for an extended period, they may offer a loyalty discount.
How can I find cheap Toyota Tundra auto insuranc?
To find cheap Toyota Tundra auto insurance, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Utilize online comparison tools: Online platforms allow you to compare quotes from different insurance companies quickly and easily.
- Evaluate coverage needs: Assess your specific coverage requirements to determine the level of protection you need. Avoid over-insuring or under-insuring your vehicle.
- Consider higher deductibles: Opting for higher deductibles can lower your premiums, but be sure you can comfortably afford the deductible amount if you need to make a claim.
- Ask about discounts: Inquire with insurance providers about available discounts and see if you qualify for any.
- Maintain a good driving record: Safe driving habits can help keep your insurance premiums affordable over time.
Are there any specific considerations for insuring a Toyota Tundra?
When insuring a Toyota Tundra, it’s important to consider factors such as its value, potential repair costs, and safety features. The Toyota Tundra is a popular full-size pickup truck known for its durability and towing capacity. It may have safety features such as advanced driver assistance systems and reinforced construction, which can potentially qualify you for additional discounts on your insurance premiums. Be sure to inform your insurance provider about any added safety features or modifications to your Toyota Tundra as they may affect your coverage and premiums.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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.