Toyota Tundra Insurance Cost Estimate [Rates + Coverage Guide]

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

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 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 $122 per month for full coverage and $49 per month for liability-only coverage. Teen drivers have an average rate of $447 per month, but parents can save money on teen driver insurance through policy discounts. Continue reading to learn how you can be eligible for cheaper Toyota Tundra insurance rates.

You can start comparing quotes for Toyota Tundra auto 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 auto 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 Ford Ranger, Toyota Tacoma, and Chevrolet Colorado.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $336 $532 $420 $1,468
Ford Ranger $254 $470 $372 $1,254
Toyota Tacoma $294 $482 $390 $1,324
Chevrolet Colorado $254 $438 $372 $1,222
Honda Ridgeline $306 $536 $450 $1,472
GMC Canyon $270 $478 $398 $1,304
GMC Sierra 2500HD $336 $656 $420 $1,592
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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 rates for a 2020 Toyota Tundra are $1,468, while the 2010 Toyota Tundra rates 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 auto 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 Los Angeles may pay $543 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your Toyota Tundra auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Tundra auto 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 Poor
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 Toyota Tundra safety features can help lower insurance costs. According to AutoBlog, the 2020 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 lower percentage means lower Toyota Tundra auto insurance rates; higher percentages mean higher Toyota Tundra auto insurance rates. Insurance loss probability on the Toyota Tundra fluctuates between each type of coverage.

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

Although it may seem like your Toyota Tundra auto insurance rates are set, there are a few measures that you can take to secure the best Toyota Tundra auto insurance rates possible. Take a look at the following five ways to save on Toyota Tundra auto insurance.

  • Remove Young Drivers from Your Toyota Tundra Auto Insurance Policy When They Move Out or Go to School
  • Re-Check Toyota Tundra Insurance Rates Every 6 Months
  • Ask for a Toyota Tundra Discount If You Have College Degree or Higher
  • Check the Odometer on Your Toyota Tundra
  • Audit Your Toyota Tundra Driving When You Move to a New Location or Start a New Job

Top Toyota Tundra Insurance Companies

The best auto insurance companies for Toyota Tundra auto insurance rates will offer competitive rates, discounts, and account for the Toyota Tundra’s safety features. The following list of auto 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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