How much is Toyota Tundra insurance in Oregon?
For the driver profile in our methodology, a 2024 Toyota Tundra costs between $40/mo at the state minimum and $267/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $40 – $67 | $480 – $804 |
| Liability OnlyYou’re viewing this tier | Higher limits; still nothing for your car | $57 – $95 | $684 – $1,140 |
| Full CoverageMost owners | Adds damage to your Tundra, theft, glass | $136 – $227 | $1,632 – $2,724 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $160 – $267 | $1,920 – $3,204 |
What liability only includes
- Liability limits above the 25/50/20 plus $15,000 PIP + 25/50 UM floor (typically 50/100 or 100/300 in the market — your quote sets the number)
- Personal injury protection at the Oregon required minimum
- Uninsured/underinsured motorist as listed with the state minimum
- Still no comprehensive or collision on the Tundra
What Oregon requires to drive a Tundra
Oregon lists 25/50/20 plus $15,000 PIP + 25/50 UM as the liability floor. That is what makes a Tundra legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 25/50/20 plus $15,000 PIP + 25/50 UM
- Fault system
- Oregon is a tort (at-fault) state — the driver who causes a crash is who liability pays for.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is listed with this state’s minimum package in our registry.
Tundra insurance cost by model year
Newer models cost more to insure — a 2024 Tundra runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $136 – $227 | $57 – $95 | — |
| 2023 | $129 – $216 | $56 – $94 | −5% |
| 2022 | $124 – $207 | $56 – $93 | −9% |
| 2021 | $118 – $197 | $55 – $91 | −13% |
| 2020 | $113 – $188 | $54 – $89 | −17% |
Tundra vs. comparable vehicles
How the Tundra stacks up against the vehicles shoppers most often cross-shop it with. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Tundra | Why it differs |
|---|---|---|---|
| Toyota Tundra | $136 – $227 | — | Above-average claim severity |
| Ford F-150 | $152 – $254 | +12% | F-150's theft ranking loads comp; the Tundra's repair tier answers back. |
| Chevrolet Silverado 1500 | $152 – $254 | +12% | Silverado's deeper parts pipeline settles claims cheaper. |
| Ram 1500 | $152 – $254 | +12% | Ram rates close — both trucks carry high claim severity. |
Tundra insurance cost by Oregon city
Portland drivers pay about 14% above the state average while Bend runs 6% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. OR average |
|---|---|---|
| Portland | $155 – $259 | +14% |
| Gresham | $148 – $247 | +9% |
| Salem | $139 – $232 | +2% |
| Eugene | $133 – $222 | −2% |
| Bend | $128 – $213 | −6% |
Why Tundra insurance costs what it costs
Liability-only on a 2024 Toyota Tundra in Oregon raises the limits above 25/50/20 plus $15,000 PIP + 25/50 UM but still leaves the Tundra uninsured for its own damage. Collision, theft, hail, glass, and animal strikes stay with the owner.
The Tundra is a pickup in the premium MSRP tier, with above-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It is not on the NICB top-100 most-stolen list in our registry, so theft is not a modeled comprehensive surcharge here.
Liability-only here ($57 – $95) sits between the $40 – $67 minimum and $136 – $227 full-coverage bands. You are paying for higher limits, not for repairing the Tundra.
Portland is modeled 14% above the OR average ($155 – $259/mo full coverage on this Tundra); Bend is modeled 6% below at $128 – $213. Those city factors scale the same band as the hero — they are not a second rate file. UM/UIM is listed with Oregon's minimum package in our registry.
What the model knows about this Tundra
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Not in top 100No theft surcharge is applied for this vehicle in the model.
- MSRP tier
- premiumReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- highClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is liability only the right tier for you?
- The Tundra is paid off and you want more lawsuit room than 25/50/20 plus $15,000 PIP + 25/50 UM without paying $136 – $227 for the car itself
- You can cash-fund a total loss on this premium-tier pickup
- You are deliberately banking the $79–$132/mo gap to full coverage
- Financed or leased Tundra — comprehensive and collision are typically required
- A newer premium-tier pickup whose replacement cost still dwarfs $57 – $95
- Drivers who park in weather- or theft-exposed conditions and cannot self-insure comprehensive losses
$500 vs $250 deductible on a Tundra
On a Tundra this model prices a $250 deductible at $24–$40/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverage | $500 | $136 – $227 | $1,632–$2,724 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $160 – $267 | $1,920–$3,204 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on liability coverage
These are typical market add-ons, not Oregon mandates and not priced in our rate model. Confirm each line on a quote.
- Roadside assistance
Useful on a pickup you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote Oregon
These are carriers we have real logos for and that commonly quote Oregon. We do not publish a per-carrier Tundra price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Tundra rate
- Raise your deductible to $1,000. On a Tundra premium this is the single biggest lever you control directly.Saves ~$14–$27/mo
- Shop at least three carriers. Rates for the identical Tundra profile differ by 2x or more between carriers in Oregon.Saves up to $1,000+/yr
- Clean up billing. Paid-in-full, paperless, and autopay credits stack — small individually, real together, and none are applied unless you ask.Saves 3–8%
- Ask about safety-tech discounts. Automatic emergency braking, lane keeping, and anti-theft equipment all carry filed credits with some carriers — none are applied unless you ask.Saves 3–8%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Oregon Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Toyota Tundra insurance in Oregon: FAQ
01What extra do I get vs Oregon minimum on a Tundra?
Higher liability caps than 25/50/20 plus $15,000 PIP + 25/50 UM. You still do not have comprehensive or collision. The modeled price for that middle tier is $57 – $95; full coverage on the same 2024 Toyota Tundra is $136 – $227.
02What does Oregon actually require to drive a Tundra?
Oregon lists 25/50/20 plus $15,000 PIP + 25/50 UM as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $136 – $227 for a 2024 Toyota Tundra.
03Does Tundra insurance cost more in Portland than in Bend?
In this model, yes — Portland is 14% vs the OR average ($155 – $259/mo full coverage) and Bend is -6% ($128 – $213). Same 2024 Toyota Tundra, same driver profile; only the city factor changes.
04Does a 5-star NHTSA rating lower Tundra insurance in Oregon?
This model applies a small credit for a 5-star overall NHTSA rating (the Tundra is a 5). It is one of four vehicle modifiers next to MSRP tier, theft rank, and repair tier — not a standalone “safety discount” we can quote as a percent off your bill.
