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How Much is Insurance for a Toyota Tundra?

Average Toyota Tundra auto insurance rates cost $122 per month ($1,468 per year). Comprehensive, collision, and liability insurance cost around $358, $522, and $414, respectively.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 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 around $51 less each year than the average vehicle in the U.S. with full coverage costing around $1,468 a year or $122 a month. Good drivers can qualify for up to $605 in good driver discounts on their policy. Let’s take a closer look at Toyota Tundra insurance rates, safety ratings, and more.

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 2500HD, Toyota Tacoma, and Ford F-150.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $336 $532 $420 $1,468
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Toyota Tacoma $294 $482 $390 $1,324
Ford F-150 $322 $470 $372 $1,322
GMC Sierra 3500HD $376 $656 $420 $1,632
GMC Canyon $270 $478 $398 $1,304
Nissan Frontier $294 $500 $420 $1,394

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 can impact 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 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

Driver Age

Driver age can have a significant impact on the cost of Toyota Tundra auto insurance. For example, 20-year-old drivers pay as much as $1,860 more each year for their Toyota Tundra auto insurance than 40-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 the cost of Toyota Tundra car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Tundra car insurance rates with violations on their driving record.

Toyota Tundra Safety Ratings

The Toyota Tundra’s safety ratings will affect your Toyota Tundra car insurance rates. See the chart 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

Poor Toyota Tundra crash test ratings could mean higher Toyota Tundra car 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

Another contributing factor that affects Toyota Tundra car insurance rates is the loss probability for 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

Toyota Tundra Finance and Insurance Cost

If you are financing a Toyota Tundra, you will pay more if you purchase Toyota Tundra car insurance at the dealership, so be sure to shop around and compare Toyota Tundra car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Toyota Tundra Insurance

You can save more money on your Toyota Tundra auto insurance rates by employing any of the following five strategies.

  • Understand the Different Types of Auto Insurance for Your Toyota Tundra
  • Carpool to Work Instead of Driving Your Toyota Tundra
  • Buy a Toyota Tundra with an Anti-Theft Device
  • Ask for a New Toyota Tundra Auto Insurance Rate Based on Your Improved Credit Score
  • Ask About Usage-Based Insurance for Your Toyota Tundra

Top Toyota Tundra Insurance Companies

Who is the top car insurance company for Toyota Tundra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Tundra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Tundra offers.

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

Compare Free Toyota Tundra Insurance Quotes Online

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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