Ford F150 Insurance vs Toyota Tundra Insurance

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Things to Remember...

  • One of the first characteristics an insurance provider will look for is a vehicle’s safety rating
  • Insurance companies use the data from the Insurance Institute for Highway Safety  to dictate premium prices
  • The Highway Loss Data Institute provides a list of pickup trucks and the annual average insurance losses attributed to that model
  • The make, model, year and how it is driven all affect the cost of insurance

Having a great, reliable vehicle is a wonderful thing. Even better, finding affordable coverage for your vehicle is the icing on the cake.

It is important to find out how much a certain vehicle, such as a Ford F150 versus a Toyota Tundra would cost to insure before deciding on a truck purchase.

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Every insurance company bases much of the premium prices on the type of vehicle being insured. There are many aspects of insurance premiums that you cannot control.

The vehicle you drive is one of the factors that you can control. You can take advantage of that fact by doing some preliminary research about how much insurance would cost for a specific vehicle.

Ford F-150 Safety Rating


Before you start comparing insurance prices, you must understand what factors insurance companies use to evaluate a type of vehicle. One of the first characteristics an insurance provider will look for is a vehicle’s safety rating.

The Insurance Institute for Highway Safety is a government agency that provides safety information on all vehicles.

Many insurance companies use the data for through the IIHS to dictate premium prices.

One of the benefits of a Ford F-150 purchase is that the vehicle has consistently ranked high on safety ratings. For current models, the F-150 scored the highest possible rating in all crash test categories.

Ford F-150 Insurance Rating for Losses

Basically, if a vehicle is considered safe by an insurance provider, your premium will be lower.

In addition to vehicle safety, an insurance company will also evaluate a vehicle on the average insurance losses incurred by the vehicle model.

The Highway Loss Data Institute provides a list of pickup trucks and the annual average insurance losses attributed to that model. 

If a vehicle is considered safe and is not listed high on the insurance losses list an insurance provider will consider that vehicle relatively risk free to insure.

Luckily, the Ford F-150 meets both criteria, which is why the vehicle has been consistently listed as one of the cheapest vehicles to insure.

Ford F-150 Cost of Insurance


On the average, based on the above factors, the F-150 usually will have an annual premium around $1,500. Of course, that figure can never be considered fixed.

So if you own or are thinking of buying an F-150, you need to hunt for quotes. Factors like age, gender, marital status, and driving history all will greatly impact insurance costs.

The Insurance Information Institute is a wonderful resource for getting familiarized with everything that goes into insurance prices.

Being well educated on the issue of auto insurance can save you thousands of dollars.

It is better to have a prior understanding than to buy a new vehicle and find out it will cost too much to insure.

Toyota Tundra Safety Rating

The Toyota Tundra, although not the most popular of pickups among consumer reviews, does provide you with great safety ratings.

There are quite a few government agencies that run crash tests and safety ratings for all vehicles.

Again, if the vehicle passes those tests with flying colors that means your premiums will probably be lower than the average vehicle.

The National Highway Traffic Safety Administration rates the Toyota Tundra, from 2012 to 2013 models, with a solid four out of five stars. The Tundra has consistently ranked high on safety ratings, making it an inexpensive pickup to insure.

The Tundra has consistently ranked high on safety ratings, making it an inexpensive pickup to insure.

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Toyota Tundra Rating for Losses

The Toyota Tundra, according to the Highway Loss Data Institute, ranks lower than the Ford F-150.

The Tundra is considered average in the annual number of losses recorded, whereas the F-150 is ranked as above average.

That means the Tundra is seen as a bit riskier to insure by providers. If a vehicle model is universally viewed as a potential loss for the provider, the premium will reflect that risk.

When it comes to the losses, the F-150 comes out on top.

Toyota Tundra Cost of Insurance


In the long run, the Toyota Tundra on average will cost you more to insure than an F-150. In fact, the average cost for an annual premium on the Tundra is around $2,000. That means

That means you will be paying on average around $50 more per month for insurance on your Tundra.

Despite the average cost, you may still want to investigate premium quotes. Again, the variety of factors that influence the cost of insurance can reduce or increase your premium.

Depending on your situation, your Tundra may actually cost less to insure than a Ford F-150.

Other Considerations for Auto Insurance

Outside of the vehicle make and model, you must also understand a few other factors that could change your cost of insurance on either the F-150 or the Tundra.

For starters, the style of your vehicle will greatly influence the actual cash value of the car. 

If you decide to purchase the Tundra with all of the available features, a larger V-8 engine, and an extended bed, the price of the car will go up.

In that case, you can almost guarantee the cost of insurance will go up too.

Basically, the more expensive the vehicle is on the market, the higher the cost of insurance will be. That is because it will cost more to replace the vehicle in the event that it is totaled.

Insurance companies will hike up the premium to help offset costs. If you are willing to buy the less expensive style of the model, you could save quite a bit of cash on insurance.

In addition, another smart choice would be to purchase an older, used vehicle. Cars tend to depreciate in value rapidly. By buying a used vehicle, you will spend less on the purchase of the car and spend significantly less on insurance.

With older vehicles, you may even be able to bypass expensive insurance additions, such as comprehensive and collision coverage.

Both types of coverage will greatly increase your premium, but older vehicles need only basic liability coverage. If monthly insurance costs are a major concern for you, an older vehicle may be a viable option.

Another factor that could adjust insurance costs is how much you drive the vehicle. A vehicle used for commuting to work is going to be on the road more than one used for pleasure.

If a car is on the road a lot, the chances of an accident go up and the vehicle is considered risky to insure.

In that case, your premium would be higher. If you can help it, reducing the number of miles you put on your car can help reduce the monthly premium.

Your deductible is another major contributor to either high or low premium costs. If you have a high deductible, you are taking some of the risk off the shoulders of your insurance provider.

In response, you will have a lower monthly premium. Increases your deductibles is a surefire way to lower your monthly payments.

You may also want to consider removing additional coverage options like rental coverage and towing. Many times, these two seemingly simple services can drastically increase your premium.

Snagging as many discounts as possible is another great way to reduce the cost of insurance.

Ask your insurance provider about discounts, because companies will vary greatly on what they offer.

Factors You Can Control


Sadly, there are some elements that impact your insurance price that are outside of your control.

Where you live is one of those. Each state has a different minimum amount of liability insurance required, which will change insurance prices from state to state.

In addition, where you park your car at night, which is determined by zip code, will also increase or decrease your insurance costs.

If you live in a city that has a high crime rate and many auto thefts, your insurance rates will be much higher than the national average.

It may seem unfair, but insurance companies base their prices on risk. If your vehicle has a higher chance to be stolen because of where you live, you will be paying more for insurance.

Another factor that is difficult to change is your driving record.

If you have a bunch of past tickets and accidents on your record, you will definitely be paying more for insurance. Some companies do offer reduced premium costs if you take a safe driver course.

For further information about state-specific issues regarding auto insurance, contact your local state Department of Insurance.

Regardless of whether you drive a Ford F-150 or a Toyota Tundra, the art of finding affordable auto insurance is tricky.

The best way to find the best deal out there is not to try to compare two separate models.

Too many variables can change the cost of insurance. Instead, get quotes from multiple insurance companies for a variety of models and figure out what works best for you.

Both models have some great advantages from an insurance perspective, but doing research and getting quotes is the most important part of the auto insurance hunt!

To start comparing car insurance quotes, enter your ZIP code into the FREE quote tool now!

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