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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.
Table of Contents
The average Toyota Tundra auto insurance rates are $1,468 a year or $122 a month.
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 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
The Toyota Tundra trim and model you choose will affect the total price you will pay for Toyota Tundra insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The Toyota Tundra safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota Tundra has the following safety features:
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 | |
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.
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.
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 | |||
Start comparing Toyota Tundra auto insurance quotes for free by using our FREE online comparison tool.
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