Dodge Ram 1500 Insurance vs Toyota Tundra Insurance

Auto insurance for the Toyota Tundra costs only $122/mo on average, while average coverage for the Dodge Ram 1500 costs $136/mo in comparison.

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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. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 25, 2021

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Things to Remember...

  • With regard to insurance rates, the 2012 Dodge Ram 1500 and the Toyota Tundra are similar
  • The 2012 Dodge Ram and Toyota Tundra both have three engines and cab styles, with a maximum towing capacity well into the 10,000-lb. range
  • The newly designed 2012 Tundra has a few new features including LATCH, which keeps children secure in car seats and boosters

When compared, the insurance rates for the 2012 Dodge Ram 1500 and the Toyota Tundra do not differ by much. In fact, these two trucks have a number of comparisons, which leads many to believe that they can purchase either with complete satisfaction.

Pickup truck enthusiasts have so many choices that sometimes it may be hard to figure out which one works best. Most of the time, the purchase comes down to personal preference, either because of the design or the features.

However, the 2012 Dodge Ram 1500 and Toyota Tundra are nearly identical, right down to the details.

It is difficult to believe that these two trucks come from such different manufacturers, let alone countries. The Dodge is an American-made vehicle and the Tundra has roots in Japan.

According to the Wall Street Journal, the Ram pickup is number seven in the top 20 for the most sales in the U.S. market for the month of July; the Tundra failed to make the list.

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Dodge Ram 1500 and Toyota Tundra Similarities

The 2012 Dodge Ram and Toyota Tundra both have three engines and cab styles, with a maximum towing capacity well into the 10,000-lb. range.

They also utilize variable timing with the V8 engine valves, which allows for durability to haul and tow heavy loads. Each one has four-wheel and rear-wheel drive, which helps with changing road conditions.

When it comes to fuel-efficiency, they are equally challenged in this area. During city driving, these trucks will only get approximately 13 to 14 miles per gallon.

Highway road trips are not much better. The Ram is slightly higher, averaging 19 to 20 miles per gallon over the Tundra’s 18 to 19 miles per gallon.

As for the suggested retail price of the base models, here too they share a likeness. The Ram averages between $21,820 and $41,660, while the Tundra is a bit higher.

The approximate retail cost for the 2012 Tundra is $25,155 to $43,595. Maybe this is why the annual cost for auto insurance is $1,388 for the Tundra, but only $1,310 for the Ram.

Although they share many of the same specifications and even retail prices, there must be a reason for the $78 variance in car insurance rates. It may not seem like much, but it is worth researching if you have plans to purchase either vehicle.

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The Depreciation Facts for the Dodge Ram 1500 vs the Toyota Tundra

When you eliminate the retail price and car insurance rates, you will notice some startling differences between these two trucks. These variations may help you understand where the extra ownership costs come from.

For example, Automobile lists the depreciation value for the Toyota Tundra for five consecutive years. If you remember, automobile insurance places a heavy consideration in this area.

Therefore, when a vehicle depreciates too quickly, this affects the repair costs and can reflect the amount of your premium.

Since the Toyota Tundra only loses about $3,688 in value during the first 12 months, it is reasonable to deduce that during the course of a five-year period, the total value drops by $12,283.

On the other hand, depreciation affects the Ram much faster. Within the first year, the value drops phenomenally. After 12 months, the value reduces by $10,979.

After five years, the depreciation amount totals $21,533. If you select the Ram 1500’s base model and pay $21,820, the entire truck is only worth $287.

One more noteworthy observance is the coverage selections for the Ram 1500. Over time, you may want to reduce the amounts to something that closely matches the true value of the vehicle to avoid overspending.

If you do happen to have an accident and file a claim for damage repairs, your car insurance company reviews this information and considers the current worth.

You may not receive the amount you expect if your vehicle is less valuable than it was when you made the purchase.This is why you need to review your truck’s information in resources like on a consistent basis.

You can use these numbers to decide whether you want to keep your current level of coverage or make changes.

The Safety Aspect of the Ram 1500

As you ride along the road in the 2012 Ram 1500, you can feel safe and secure knowing they spared no expense with their technologically advanced safety features.

Inside this vehicle lays steel-reinforced crumple zones with door absorption beams to protect you in all situations. Although lightweight in construction, the hydro-formed frame is strong and rigid.

To ensure the best possible control over the vehicle, the Ram 1500 uses a combination of Trailer Sway Control or TSC, Electronic Stability Control or ESC and the Anti-Lock Brakes or ABS. Together, this system automatically senses

Together, this system automatically senses inevitable dangers on the road. It makes appropriate corrections by correcting the sway of the trailer and controls braking and handling on slippery terrain.

Toyota Tundra Shines with Standard Features

The newly designed 2012 Tundra has a few shining features of its own, including LATCH, which keeps children secure in car seats and boosters. This provides the ultimate security for young passengers.

Others utilize the three-point safety harness that protects drivers and adult passengers.

The Tundra comes with the Star Safety System, which has six separate components all working together.It consists of standard traction and vehicle stability control, along with an anti-lock brake system.

The other three are very new and advanced mechanisms called Electronic Brake Distribution or EBD, Smart Stop Technology or SST and Brake Assist or BA. This system activates with speeds in excess of five miles an hour and adds to the stopping distance.

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Unique Tundra Characteristics

Perhaps one of the unique Tundra characteristics surrounds the emissions factor. This is only one of a handful of light and heavy-duty trucks to exceed the Environmental Protection Agency regulations regarding lower emissions.

In fact, when reviewing other trucks in the same category, including the Ram 1500, the Tundra produces ultra-low emissions (ULEV-II), compared to other vehicles with low emissions (LEVII).

Toyota proves that a V6 or V8 engine can still perform exceptional duties without causing negative consequences to the environment.

Another notable quality is a unique security feature. The Tundra comes with automatic relocking options. This helps the forgetful driver who walks away without locking the door.

Exclusive Ram 1500 Elements

In addition to being a top-seller in the United States, the Ram 1500 Lone Star model launches exclusively in Texas, with the American flag colors prominently displayed on the tailgate and front doors.

You can expect residents of this state to flock to their Ram dealers to purchase these one-of-a-kind trucks during the next 12 months.

The new 10th-anniversary edition is to remind Texans of their loyalty dating back to 2002 when the first Lone Star model came off the assembly line. Since that day, over 80,000 have been sold as Texas-only vehicles.

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