Pickup trucks offer a whole host of perks and conveniences, but, as with any other vehicle, they must be insured before you can reap their benefits. Although trucks are often cheaper to insure than other types of vehicles, the expense can still be a hassle to deal with. To make things a little bit easier, The Zebra has compiled a list of pickup truck insurance rates across various providers. But what’s the most expensive truck to insure? 

The high cost of the Toyota Tundra

After comparing 10 different popular trucks, The Zebra found that the Toyota Tundra was the most expensive to insure. The highest insurance price for the Tundra is provided by Liberty Mutual, with an average annual premium of $2,082. Compare this to the average annual cost of insuring a pickup — $1,254 — and you can see just how pricey the Tundra really is. In fact, the Chevy Colorado, which is the cheapest to insure, only has an average annual premium of $1,113.

So why exactly does it cost so much to insure the Toyota Tundra? That likely comes down to the high cost of the truck itself. At $33,425, the Tundra costs about 75% more than the Nissan Frontier, which is the cheapest new truck model on the market. The Tundra’s high cost carries over into its insurance premiums, making it, overall, a pretty expensive buy.

Toyota Tundra specs

The newest Tundra is a six-speed automatic with 381 hp and 401 lb-ft of torque. It is fitted with a 5.7-liter V8 engine that gets 13 MPG in the city and 17 MPG on the highway. It also comes with optional four-wheel drive. 

For anyone needing to tow extremely heavy weights, the truck lives up to its expensive price — it has a maximum towing capacity of 10,200 pounds. It also comes in three different cargo-bed lengths, ranging in size from 5.5 feet to 8.1 feet. And for any off-roading, the Toyota Tundra’s powerful engine and lifted suspension make it one of the best choices when compared to similar full size pickups. 

Comfort and infotainment

Although it has impressive towing capabilities, plenty of space, and great off-roading abilities, Car and Driver reports feeling underwhelmed by the actual daily driving experience offered by the Tundra. Its size makes it somewhat difficult to handle, and the materials found in its interior can sometimes feel cheap. Additionally, Car and Driver reports that the Entune infotainment system is fairly unintuitive, with small buttons that make it challenging to use.

However, while it may not be the easiest to deal with, the infotainment system is functional and responsive, and it can be paired with both Android Auto and Apple CarPlay in order to make the experience more intuitive. The interior of the truck itself is also one of the most spacious options available for a crew cab — and the 1794 Edition comes with ultra-suede accents and leather-trimmed seating for a more luxurious driving experience. 

Safety features

According to Car and Driver, the Tundra’s crash test ratings are just average. Even so, the truck comes with a wide variety of safety features and driver-assist technology. Its main offerings are automatic emergency braking, lane-departure warnings, and adaptive cruise control. Its ignition disable device also prevents the engine from being started by anyone who doesn’t have the original manufacturer key.

Additionally, the Tundra comes with stability control, which automatically reduces engine power and applies brakes when the truck’s handling limits have been exceeded. This helps prevent the driver from losing control of the vehicle, and is useful for anyone towing heavy loads.