Tundra Insurance

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Toyota Tundra insurance

If you're car shopping trucks, then the Toyota Tundra may be on your list. A JD Power Award Winner in Quality, the Toyota Tundra continues to be a reliable pick-up truck. With your reliable truck you'll need the proper reliable car insurance to protect yourself and your vehicle. The right insurance agent can help you discover the variety of options for insuring your Toyota Tundra at an affordable price. 

Start by using our find-an-agent tool to be matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Toyota Tundra. 

What Is The Best Insurance for a Toyota Tundra?

Insurance is designed to protect you, your vehicle and others should you be in an accident. Many states will have minimum required insurance limits for drivers, and there are additional options that should be taken into consideration. An insurance agent can help you find the necessary insurance to fit your needs. 

Bodily injury liability

If you're in an accident and are at fault, your liability insurance will pay for any costs associated with injuries that are sustained by the other party involved in the crash. This includes medical costs and even lost wages if the person can't return to work. Most states require a minimum amount of liability coverage. 

Property damage liability

If you're at fault in an accident that involved someone else's vehicle, building, or home, property damage liability will pay to repair or replace any property that is damaged. Most states do require a minimum amount of this coverage as well. 

Even though states require a minimum amount of liability coverage, it's usually a good idea to purchase more than the required amount. If you're at fault in an accident and the damage exceeds your liability amounts you'll be responsible for the remaining costs out of pocket. Your insurance agent can help you determine how much insurance you need.

Medical payments/Personal injury protection

Accidents commonly result in medical bills. Depending on the state you live in, you can purchase personal injury protection (PIP) or medical payments coverage which helps pay for personal medical bills that result from an accident. Not only will PIP insurance cover you, but it will also cover any injured passengers that were in your vehicle. It will cover things like ambulances, doctor visits, medication, funeral expenses, and other related costs. 

Uninsured motorist coverage

People who are driving without insurance or under the required amount of insurance are considered uninsured motorists. If you're in an accident with an uninsured driver and they're at fault, you're left having to cover any damage to your vehicle and injuries to yourself out of pocket. Uninsured motorist coverage pays for damage to your car and medical payments for you and your passengers if an accident causes injuries. 

Optional coverage options to consider

Collision coverage

Cruising around in a truck might make you feel less concerned about running into things, but colliding with other vehicles or objects like street signs are a risk for any driver. Even though it's not required, collision insurance is highly recommended by most insurance agents. In the event of a collision, it will pay for any costs after your deductible. 

Comprehensive coverage

Any claim that is not covered by collision insurance is covered by comprehensive insurance. If your Tundra is vandalized or if you hit an animal, your comprehensive policy will pay for the damage, minus your deductible. 

Glass coverage

Whether you're driving on-road or off-road a number of unexpected events can lead to a cracked or broken windshield. If you're pulled over for driving with a broken windshield you could get ticketed. Windshield replacement is not cheap which is why it's a smart idea to look into glass coverage. Your agent can help you understand how a zero-deductible glass policy add-on works so you can decide whether you want this additional coverage.

Gap insurance

If you're in an accident and your insurance deems your car a total loss, you still have to pay any remaining amount on your lease or car loan. It's rare, but if you were to get in an accident when your car is fairly new there could be a gap in what your insurance pays out and what you owe. Gap insurance is designed to bridge that gap and pay the difference.


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What Affects the Cost of Insurance for Your Toyota Tundra?

How much you drive every year

On average, a person drives between 12,000-14,000 miles per year. However, every driver is different which is why your annual mileage plays a big part in determining your insurance cost. 

Your driving record 

Insurance is based on how risky they think a person is. A clean driving record with no tickets and violations means that you're a good driver, therefore minimizing your risks. If you happen to have violations on your record, chances are they will fall off your record. Your insurance agent can help you understand when violations might be removed from your record. 

The value of your vehicle

Trucks are not cheap, but the Toyota Tundra has some more affordable options. The standard model SR Double Cab 8.1' Bed 5.7L starts at only $35,000. If you bump up to the TRD Pro Double Cab 6.5' Bed 5.7L 4WD the price jumps all the way up to $50,000. As cars age, the cost to insure them goes down. This means that purchasing a Tundra that is several years old could save you on insurance premium costs. 

Model Year Average Premium
2020 $1,468
2019 $1,452
2018 $1,442
2017 $1,440

Safety of your vehicle

Toyota is known for the safety ratings of their vehicles, but the new Toyota Tundra has some cause for concern. Even though The National Highway Traffic Safety Administration (NHTSA) gave it four-out-of-five stars in all frontal crash tests, it received only three-out-of-five stars in rollover tests in the 2wd models. In addition, the Insurance Institute for Highway Safety (IIHS) gave the vehicle several lower than good ratings which means the vehicle can use some safety work. The Toyota Tundra's lower safety ratings could result in slightly higher premium costs. 

The location of your car

If your daily commute includes heavy traffic and lots of miles, you'll likely pay higher insurance premiums. The more you're on the road and the more cars you're driving with, the bigger chance of getting in an accident. 

The location has a large impact on car insurance. For example, drivers in Seattle may pay $1,116 a year less than drivers in Los Angeles.

Additional factors that affect your Toyota Tundra insurance premiums

In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

What is the Average Cost to Insure a Toyota Tundra?

Average annual cost to insure a Toyota Tundra  $1,468
Teens $5,366
High-Risk drivers $3,127
High Deductibles $1,265
Low Deductibles $1,848

Which states are most affordable and least affordable for car insurance? 

Estimated annual Toyota Tundra insurance premiums in the United States:

Most expensive states:
Michigan $2,546
Louisiana $2,172
Kentucky $2,002
Rhode Island $1,960
Florida $1,834
Most affordable states:
North Carolina $844
Virginia  $878
Maine $906
Idaho $966
Vermont $1,006

Top Insurance Carriers That Insure the Toyota Tundra

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Geico
  3. Shelter
  4. Progressive
  5. State Farm

Get a Toyota Tundra Quote

An independent insurance agent can help you get the most affordable quote available for your Toyota Tundra. Your agent will shop quotes from top insurance companies, finding you the best rate. Your agent can help you understand how to balance premium costs and insurance levels so you get the best value for your dollar. 

Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Toyota Tundra. An independent insurance agent can shop dozens of insurance companies and help you get the right type of auto insurance.

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