Best Toyota Tundra Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
For the best Toyota Tundra auto insurance, State Farm, Geico, and Progressive offer coverage starting at just $30 per month. These top providers deliver competitive rates and comprehensive protection. Explore your options to find the best value and understand the average insurance cost for Toyota Tundra.
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UPDATED: Aug 7, 2024
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UPDATED: Aug 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviews
The best Toyota Tundra auto insurance providers are AAA, Farmers, and Geico, offering rates starting as low as $30 per month. These companies lead in delivering competitive insurance rates for Toyota Tundra, with AAA being the top pick for its exceptional coverage and value.
The article also explores auto insurance deductibles, highlighting how they impact your overall policy cost. Understanding the balance between higher deductibles for lower premiums and lower deductibles for higher premiums can help you make informed decisions about the best Toyota Tundra auto insurance for your needs.
Our Top 10 Company Picks: Best Toyota Tundra Auto Insurance
Company Rank Accident-Free Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A Accident-Free Drivers AAA
#2 18% A Roadside Assistance Farmers
#3 12% A++ Diminishing Deductible Geico
#4 10% A+ Online Tools The Hartford
#5 14% A Customer Service The General
#6 17% A++ Local Agents Auto-Owners
#7 16% B Student Savings State Farm
#8 13% A+ Personalized Policies Amica
#9 19% A+ Financial Strength Progressive
#10 11% A Personalized Service Liberty Mutual
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- AAA provides top Toyota Tundra insurance coverage
- Get comprehensive coverage to meet your Toyota Tundra’s unique needs
- Consider deductible options to optimize Toyota Tundra insurance rates
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#1 – AAA: Top Overall Pick
Pros
- Competitive Rates: AAA offers an affordable Toyota Tundra insurance rate of $86 per month, which is below the average for full coverage. This competitive pricing can help you keep insurance costs manageable while still receiving comprehensive protection for your Tundra.
- Extensive Discounts: As outlined in our AAA auto insurance review, AAA provides numerous discounts that can lower your Toyota Tundra insurance premiums. Discounts such as multi-car and good driver discounts can significantly reduce your overall insurance costs, making it a cost-effective choice.
- Strong Customer Service: AAA is known for its excellent customer service, which can be beneficial if you need support with your Toyota Tundra insurance claims. Their 24/7 assistance ensures you get help when you need it most, enhancing your overall insurance experience.
Cons
- Limited Coverage Options: While AAA offers competitive rates, their coverage options for the Toyota Tundra might be limited compared to some other providers. This can restrict your ability to customize your policy to fit specific needs.
- Availability Issues: AAA’s insurance services may not be available in all states for Toyota Tundra, which can be a drawback if you’re looking for consistent coverage across different locations. This limited availability could require you to seek alternative providers in certain regions.
#2 – Farmers: Best for Roadside Assistance
Pros
- Comprehensive Coverage: Farmers offers a robust insurance policy for the Toyota Tundra at $139 per month, ensuring extensive coverage. Their policies typically include liability, collision, and comprehensive coverage, providing thorough protection for your Tundra. Check their rates in our Farmers auto insurance review.
- Customizable Policies: Farmers allows you to tailor your Toyota Tundra insurance policy with additional options such as roadside assistance and rental car coverage. This flexibility helps you create a policy that fits your specific needs and preferences.
- Discount Opportunities: Farmers offers a variety of discounts that can help reduce your Toyota Tundra insurance costs. Discounts for bundling home and auto insurance or having multiple vehicles can make their policies more affordable.
Cons
- Higher Premiums: Farmers’ monthly insurance rate of $139 for the Toyota Tundra is higher compared to some competitors. This higher cost may be a consideration if you’re seeking more budget-friendly insurance options.
- Complex Claims Process: Farmers’ claims process can sometimes be more complex and time-consuming compared to other insurers. This could be a disadvantage if you need quick and straightforward resolution for any issues with your Toyota Tundra insurance.
#3 – Geico: Best for Diminishing Deductible
Pros
- Low Premiums: Geico offers one of the lowest insurance rates for the Toyota Tundra at $80 per month, making it an excellent option for cost-conscious drivers. This low cost helps you save on insurance without compromising on essential coverage.
- Strong Online Tools: As mentioned in our Geico auto insurance review, Geico provides robust online tools and resources for managing your Toyota Tundra insurance. Their user-friendly website and mobile app make it easy to get quotes, manage your policy, and file claims online.
- Discounts for Safe Driving: Geico offers various discounts for safe driving, which can lower your Toyota Tundra insurance premiums. If you maintain a clean driving record, you could benefit from substantial savings on your insurance costs.
Cons
- Basic Coverage Options: Geico’s basic insurance policies for Toyota Tundra might not include all the add-ons or customization options available with other providers. If you need specialized coverage or additional features, you might find Geico’s options limited.
- Customer Service Limitations: While Geico’s online tools are strong, their customer service may not be as personalized or responsive as other insurers. This could be a drawback if you prefer more direct, hands-on support for your Toyota Tundra insurance needs.
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#4 – The Hartford: Best for Online Tools
Pros
- Good Coverage for the Price: As outlined in The Hartford auto insurance review, The Hartford offers comprehensive Toyota Tundra insurance at $113 per month, providing good value for the coverage. Their policies typically include extensive options such as collision and comprehensive coverage.
- Great Senior Discounts: The Hartford offers attractive discounts for senior drivers, which can make insurance for your Toyota Tundra more affordable if you’re a senior policyholder. This can be particularly beneficial for older drivers seeking cost-effective coverage.
- Accident Forgiveness: The Hartford includes accident forgiveness in their policies, which can prevent your first accident from affecting your Toyota Tundra insurance rates. This feature helps you maintain lower premiums even if you have a minor accident.
Cons
- Higher Premiums for Young Drivers: The Hartford’s insurance rates for younger drivers might be higher compared to other companies. If you have a young driver in your household, you may face elevated premiums for your Toyota Tundra coverage.
- Limited Coverage Customization: The Hartford’s policies might not offer as much flexibility in terms of customization compared to some other insurers. This can be a drawback if you’re looking for specific coverage options for your Toyota Tundra.
#5 – The General: Best for Customer Service
Pros
- Flexible Payment Options: As mentioned in our The General auto insurance review, The General provides flexible payment plans for Toyota Tundra insurance, making it easier to manage your premiums. This can be beneficial if you prefer to spread out payments rather than pay a lump sum.
- Good for High-Risk Drivers: The General is known for accommodating high-risk Toyota Tundra drivers, which could be useful if you have a less-than-perfect driving record. Their policies can help secure insurance coverage for those who might have trouble with other providers.
- No Down Payment Required: The General offers Toyota Tundra insurance without requiring an upfront down payment. This can make it easier to start your policy without a significant initial expense.
Cons
- Expensive Premiums: With a monthly rate of $232, The General’s insurance for the Toyota Tundra is among the highest in the industry. This could be a major drawback if you’re looking for more budget-friendly options.
- Limited Discounts: The General may offer fewer discount options compared to other insurers. This could result in higher overall costs for your Toyota Tundra insurance if you do not qualify for significant savings.
#6 – Auto-Owners: Best for Local Agents
Pros
- Affordable Rates: Auto-Owners provides a competitive Toyota Tundra insurance rate of $87 per month. This price offers good coverage at a relatively low cost, helping you save on your insurance premiums.
- High Customer Satisfaction: Auto-Owners is known for high customer satisfaction ratings. Their excellent customer service and claims handling can make managing your Toyota Tundra insurance experience smooth and hassle-free.
- Comprehensive Coverage Options: As mentioned in our Auto-Owners auto insurance review, Auto-Owners offers extensive coverage options for the Toyota Tundra, including comprehensive and collision coverage. This ensures you receive thorough protection for your vehicle.
Cons
- Regional Availability: Auto-Owners may not be available in all states, which could be a limitation if you move or live in a region where their services are not offered. This could necessitate finding an alternative provider in certain areas for Toyota Tundra drivers.
- Limited Online Services: Auto-Owners’ online tools and services may not be as advanced as those of some competitors. This could be a disadvantage if you prefer managing your Toyota Tundra insurance online.
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#7 – State Farm: Best for Student Savings
Pros
- Competitive Premiums: State Farm offers an affordable monthly rate of $86 for Toyota Tundra insurance, making it a cost-effective option. This competitive pricing helps you keep insurance costs low while maintaining good coverage.
- Wide Range of Discounts: State Farm provides a variety of discounts that can help lower your Toyota Tundra insurance premiums. Discounts for safe driving, multi-car policies, and more can contribute to significant savings.
- Flexible Policy Options: As mentioned in our State Farm auto insurance review, State Farm offers a range of policy options for the Toyota Tundra, allowing you to customize coverage to suit your specific needs. This flexibility helps ensure you get the protection you need while potentially saving on premiums.
Cons
- Variable Coverage Options: While State Farm offers competitive rates, the range of coverage options might not be as extensive as some other insurers. This could limit your ability to customize your Toyota Tundra insurance policy.
- Inconsistent Service Across Regions: The quality of service and availability of coverage options can vary by region with State Farm. This inconsistency could affect your overall experience with Toyota Tundra insurance, depending on your location.
#8 – Amica: Best for Personalized Policies
Pros
- Strong Coverage for the Price: Amica Mutual offers Toyota Tundra insurance at $151 per month with comprehensive coverage. Their policies provide robust protection, including liability, collision, and comprehensive coverage for your Tundra.
- High Customer Satisfaction: As outlined in Amica auto insurance review, Amica Mutual is highly rated for customer satisfaction, which reflects their commitment to providing excellent service and handling claims efficiently. This can enhance Toyota Tundra owners’ overall insurance experience.
- Discount Opportunities: Amica Mutual offers various discounts, such as multi-policy and safe driver discounts, which can help lower your Toyota Tundra insurance premiums. These discounts make their policies more affordable.
Cons
- Higher Premiums: Amica Mutual’s insurance rate of $151 per month for the Toyota Tundra is higher compared to some other providers. This higher cost might be a consideration if you’re looking for more budget-friendly options.
- Limited Availability: Amica Mutual may not be available in all states, which can be a drawback if you need insurance coverage for your Toyota Tundra in regions where their services are not offered.
#9 – Progressive: Best for Financial Strength
Pros
- Affordable Rates: Progressive offers competitive Toyota Tundra insurance at $105 per month. This affordable pricing helps you maintain good coverage without exceeding your budget.
- Customizable Coverage Options: Progressive provides a range of customizable coverage options for the Toyota Tundra, including add-ons such as roadside assistance and rental car coverage. This flexibility allows you to tailor your policy to fit specific needs.
- Discounts for Bundling: As mentioned in Progressive auto insurance review, Progressive offers significant discounts for bundling multiple policies, such as home and auto insurance. This can help you save on your Toyota Tundra insurance while managing other insurance needs.
Cons
- Complex Policy Terms: Progressive’s insurance policies can sometimes be complex, with terms and conditions that may be challenging to understand. This complexity could make it harder to fully grasp your coverage for the Toyota Tundra.
- Customer Service Concerns: Some customers report concerns with Progressive’s customer service, particularly regarding claim handling. This could be a disadvantage if you prefer more personalized support for your Toyota Tundra insurance.
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#10 – Liberty Mutual: Best for Personalized Service
Pros
- Extensive Coverage Options: Liberty Mutual offers a wide range of coverage options for the Toyota Tundra at $174 per month. This includes comprehensive protection with options to add features such as new car replacement and accident forgiveness.
- Discounts for Safe Driving: Liberty Mutual provides discounts for safe driving, which can help reduce your Toyota Tundra insurance premiums. If you maintain a clean driving record, you can benefit from lower rates.
- Roadside Assistance: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual includes roadside assistance in their Toyota Tundra insurance policies, providing valuable support if you experience breakdowns or other roadside issues.
Cons
- High Premiums: Liberty Mutual’s insurance rate of $174 per month for the Toyota Tundra is higher compared to many competitors. This elevated cost may be a consideration if you’re looking for more affordable insurance options.
- Variable Customer Service: Liberty Mutual’s customer service can be inconsistent, with some customers reporting less satisfactory experiences. This variability could affect your overall satisfaction with their Toyota Tundra insurance.
Toyota Tundra Insurance Cost
When it comes to insuring a Toyota Tundra, understanding the average insurance rates and how they compare across different providers can help you make informed decisions about your coverage. Here, we provide an overview of the average costs associated with insuring a Toyota Tundra and how various insurance companies’ rates differ based on coverage levels.
Toyota Tundra Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $46 | $86 |
| Amica Mutual | $46 | $151 |
| Auto-Owners | $33 | $87 |
| Farmers | $53 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| The General | $54 | $232 |
| The Hartford | $43 | $113 |
Additionally, understanding the variations in rates among providers can help you identify potential savings opportunities. Shopping around and getting multiple quotes is essential to finding the most cost-effective insurance plan.
Toyota Tundra Auto Insurance Monthly Rates by Coverage Type
| Type | Rates |
|---|---|
| Average Rate | $122 |
| Discount Rate | $72 |
| High Deductibles | $105 |
| High Risk Driver | $261 |
| Low Deductibles | $154 |
| Teen Driver | $447 |
By comparing these rates, you can determine which insurance company offers the best value for your Toyota Tundra based on your desired coverage level. This knowledge will enable you to choose a policy that not only fits your budget but also provides the necessary protection for your vehicle.
Read More: Full coverage auto insurance
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. This comparison provides insight into where the Tundra stands in terms of insurance costs among similar vehicles.
Toyota Tundra Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Chevrolet Colorado | $21 | $37 | $31 | $102 |
| Ford Ranger | $21 | $39 | $31 | $105 |
| GMC Canyon | $23 | $40 | $33 | $109 |
| GMC Sierra 2500HD | $28 | $55 | $35 | $133 |
| Honda Ridgeline | $26 | $45 | $38 | $123 |
| Toyota Tacoma | $25 | $40 | $33 | $110 |
| Toyota Tundra | $28 | $44 | $35 | $122 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online. Comparing multiple quotes and considering different coverage options can significantly lower your insurance expenses. For a comprehensive analysis, refer to our detailed guide titled “Auto Insurance Discounts.”
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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. Additionally, factors such as your driving history, location, and the amount of coverage you select play significant roles in determining your auto insurance premium.
Vehicles with more advanced safety features may qualify for discounts, helping to lower the overall cost. Unlock details in our guide titled “What are the recommended auto insurance coverage levels?”
Age of the Vehicle
Understanding how the age of your Toyota Tundra affects insurance costs can help you make more informed decisions. Older Toyota Tundra models generally cost less to insure.
Toyota Tundra Auto Insurance Monthly Rates by Age of the Vehicle
| Model Year | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Toyota Tundra | $30 | $46 | $36 | $124 |
| 2023 Toyota Tundra | $29 | $45 | $36 | $123 |
| 2022 Toyota Tundra | $29 | $45 | $36 | $123 |
| 2021 Toyota Tundra | $28 | $44 | $35 | $122 |
| 2020 Toyota Tundra | $28 | $44 | $35 | $122 |
| 2019 Toyota Tundra | $27 | $43 | $37 | $121 |
| 2018 Toyota Tundra | $26 | $42 | $38 | $120 |
| 2017 Toyota Tundra | $25 | $41 | $39 | $120 |
| 2016 Toyota Tundra | $24 | $40 | $41 | $119 |
| 2015 Toyota Tundra | $23 | $38 | $42 | $117 |
| 2014 Toyota Tundra | $22 | $35 | $43 | $115 |
| 2013 Toyota Tundra | $21 | $33 | $43 | $112 |
| 2012 Toyota Tundra | $20 | $30 | $43 | $108 |
| 2011 Toyota Tundra | $19 | $28 | $43 | $105 |
| 2010 Toyota Tundra | $18 | $26 | $44 | $103 |
By comparing these rates, you can see the significant savings that can be achieved with older models. This insight can help you decide whether to purchase a newer or older vehicle based on insurance costs.
Driver Age
Driver age can have a significant effect on Toyota Tundra auto insurance rates. Younger drivers often face higher premiums compared to older, more experienced drivers.
Toyota Tundra Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $447 |
| Age: 18 | $394 |
| Age: 20 | $277 |
| Age: 30 | $128 |
| Age: 40 | $122 |
| Age: 45 | $118 |
| Age: 50 | $112 |
| Age: 60 | $109 |
These figures highlight the importance of considering age when budgeting for insurance costs. Younger drivers should be aware of the potential higher premiums they may face.
Driver Location
Where you live can have a large impact on Toyota Tundra insurance rates. Geographic factors play a crucial role in determining premiums, with rates varying significantly by location.
Toyota Tundra Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $162 |
| Columbus, OH | $102 |
| Houston, TX | $192 |
| Indianapolis, IN | $104 |
| Jacksonville, FL | $177 |
| Los Angeles, CA | $209 |
| New York, NY | $193 |
| Philadelphia, PA | $164 |
| Phoenix, AZ | $142 |
| Seattle, WA | $119 |
By comparing rates in different cities, you can better understand how location affects your insurance costs. This can be especially useful if you are considering a move or if you live in an area with higher insurance premiums.
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 Auto Insurance Monthly Rates by Age & Driving Record
| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| Age: 16 | $447 | $491 | $555 | $723 |
| Age: 18 | $394 | $433 | $490 | $663 |
| Age: 20 | $277 | $302 | $359 | $511 |
| Age: 30 | $128 | $139 | $167 | $294 |
| Age: 40 | $122 | $133 | $160 | $280 |
| Age: 45 | $118 | $129 | $155 | $272 |
| Age: 50 | $112 | $121 | $145 | $258 |
| Age: 60 | $109 | $119 | $142 | $250 |
Accidents and violations can significantly increase your insurance costs. Maintaining a clean driving record is crucial for keeping your insurance premiums low.
Safety Ratings
Your Toyota Tundra auto insurance rates are influenced by the vehicle’s safety ratings. Higher safety ratings often lead to lower insurance premiums.
Toyota Tundra Safety Ratings
| Test | 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 |
Good safety ratings can help lower your insurance premiums. Ensuring your vehicle has high safety ratings can contribute to overall savings.
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.
Toyota Tundra Crash Test Ratings
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2024 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2024 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2024 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2023 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2023 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2023 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2023 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2022 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2022 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2022 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2022 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2021 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2021 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Toyota Tundra PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Tundra PU/EC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Toyota Tundra PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Tundra PU/CC 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 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 |
High crash test ratings can lead to lower insurance costs. It’s essential to consider these ratings when purchasing a vehicle to ensure both safety and cost-effectiveness.
Toyota Tundra Safety Features
The Toyota Tundra’s safety features can help lower insurance costs by providing added protection. Key safety features include:
- Driver and passenger air bags
- 4-wheel ABS and brake assist
- Electronic stability control and traction control
- Daytime running lights and lane departure warning
- Child safety locks
These features not only enhance vehicle safety but also contribute to potentially lower insurance premiums. Ensuring your Tundra is equipped with these technologies is beneficial for both safety and cost savings.
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.
Toyota Tundra Insurance Loss Probability
| Coverage | Loss |
|---|---|
| Bodily Injury | -6% |
| Collision | -12% |
| Comprehensive | -4% |
| Medical Payment | -25% |
| Personal Injury | -37% |
| Property Damage | 5% |
Understanding loss probabilities can help you anticipate potential insurance costs. This knowledge can guide you in selecting the best insurance coverage for your needs.
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.
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.
By implementing these strategies, you can potentially lower your Toyota Tundra insurance costs. Regularly reviewing and adjusting your policy can lead to significant savings over time. Explore our guide “How to Lower Your Auto Insurance Rates.”
AAA is the top choice for Toyota Tundra insurance, offering comprehensive coverage and affordable rates.Chris Abrams LICENSED INSURANCE AGENT
Knowing the available discounts from various insurance providers can significantly reduce your overall insurance costs for your Toyota Tundra. Many insurance companies offer multiple discount options that can help you save money.
By exploring these discounts, you can find opportunities to lower your Toyota Tundra insurance premiums. Regularly reviewing your policy and checking for new discounts can lead to significant savings over time.
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.
Top 10 Toyota Tundra Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66.1 million | 9% |
| #2 | Geico | $46.3 million | 6% |
| #3 | Progressive | $41.7 million | 5% |
| #4 | Liberty Mutual | $39.2 million | 5% |
| #5 | Allstate | $36.1 million | 5% |
| #6 | Travelers | $28.7 million | 4% |
| #7 | USAA | $24.6 million | 3% |
| #8 | Chubb | $24.1 million | 3% |
| #9 | Farmers | $20.0 million | 2% |
| #10 | Nationwide | $18.4 million | 2% |
These companies hold the highest market share and are well-regarded for their comprehensive coverage options and customer service. Evaluating these top insurers can help you find the best coverage for your Toyota Tundra at a competitive price.
Start comparing Toyota Tundra auto insurance quotes for free by using our free online comparison tool.
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Frequently Asked Questions
How much does Toyota Tundra insurance cost?
The cost of auto insurance for a Toyota Tundra can be influenced by various factors, including the driver’s age, location, driving history, coverage options, auto insurance deductible amount, and the specific model and year of the Toyota Tundra. Insurance providers also consider the cost of repairs and replacement parts for the Toyota Tundra when determining premiums.
How does the age of the vehicle affect Toyota Tundra insurance rates?
Generally, older Toyota Tundra models have lower insurance rates. For example, a 2020 Toyota Tundra may cost $146 to insure, while a 2010 model could cost $123. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
How do Toyota Tundra safety features affect insurance costs?
Toyota Tundra’s safety features, such as driver and passenger airbags, ABS, stability control, and more, can help lower insurance costs.
Which insurance companies offer coverage for Toyota Tundra?
Some of the top auto insurance companies that provide coverage for Toyota Tundra include State Farm, Geico, Progressive, Liberty Mutual, Allstate, Travelers, USAA, Chubb, Farmers, and Nationwide. Check out our guide “Where to Compare Auto Insurance Rates.“
Can I transfer my current insurance policy to a new Toyota Tundra?
Yes, if you already have an existing auto insurance policy, you can typically transfer it to your new Toyota Tundra. Contact your insurance provider to update the vehicle information and ensure continuous coverage.
How does my credit score affect my Toyota Tundra insurance rates?
In some states, insurance companies may consider your credit score when determining your insurance rates. A higher credit score is generally associated with lower insurance premiums, as it is seen as an indicator of responsible financial behavior.
What factors influence the cost of insuring a Toyota Tundra?
Several factors impact the cost of insuring a Toyota Tundra, including the driver’s age, driving record, location, and the specific trim and model of the vehicle. Additionally, safety features and the age of the Tundra can also affect insurance premiums.
Are there specific discounts available for Toyota Tundra insurance?
Yes, many insurance companies offer various discounts that can help lower your Toyota Tundra insurance costs. These may include multi-policy discounts, safe driver discounts, and discounts for having advanced safety features in your vehicle.
Does the Toyota Tundra’s safety rating impact insurance rates?
Yes, the Toyota Tundra’s safety rating significantly impacts insurance rates. Vehicles with higher safety ratings typically qualify for lower insurance premiums due to the reduced risk of injury in the event of an accident. Delve into our guide “At-Fault Accident.”
How do I find the best insurance rates for my Toyota Tundra?
To find the best insurance rates for your Toyota Tundra, it’s crucial to shop around and compare quotes from multiple insurance providers. Utilizing online comparison tools can make this process easier and help you find the most competitive rates.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
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