Toyota Tundra Insurance Rates
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UPDATED: Jun 6, 2023
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The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.
In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.
You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.
Average auto insurance rates for a Toyota Tundra are $1,374 annually for full coverage insurance. Comprehensive insurance costs on average $260 each year, collision costs $424, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, with high-risk insurance costing $2,966 or more. 16-year-old drivers receive the highest rates at $5,308 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Tundra models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $568 for just liability coverage to a high rate of $2,966 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Tundra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $807
- Choosing higher $1,000 deductibles can save around $154 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,374
- Buying low deductibles for comp and collision coverage costs an additional $300 annually
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,966 or more
- The cost with full coverage for a 16-year-old driver may cost $5,308 each year
Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $460 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,240 | -$134 | -9.8% |
Alaska | $1,054 | -$320 | -23.3% |
Arizona | $1,142 | -$232 | -16.9% |
Arkansas | $1,374 | -$0 | 0.0% |
California | $1,566 | $192 | 14.0% |
Colorado | $1,310 | -$64 | -4.7% |
Connecticut | $1,412 | $38 | 2.8% |
Delaware | $1,554 | $180 | 13.1% |
Florida | $1,718 | $344 | 25.0% |
Georgia | $1,268 | -$106 | -7.7% |
Hawaii | $984 | -$390 | -28.4% |
Idaho | $932 | -$442 | -32.2% |
Illinois | $1,022 | -$352 | -25.6% |
Indiana | $1,036 | -$338 | -24.6% |
Iowa | $926 | -$448 | -32.6% |
Kansas | $1,304 | -$70 | -5.1% |
Kentucky | $1,874 | $500 | 36.4% |
Louisiana | $2,032 | $658 | 47.9% |
Maine | $848 | -$526 | -38.3% |
Maryland | $1,132 | -$242 | -17.6% |
Massachusetts | $1,098 | -$276 | -20.1% |
Michigan | $2,386 | $1,012 | 73.7% |
Minnesota | $1,150 | -$224 | -16.3% |
Mississippi | $1,646 | $272 | 19.8% |
Missouri | $1,216 | -$158 | -11.5% |
Montana | $1,476 | $102 | 7.4% |
Nebraska | $1,082 | -$292 | -21.3% |
Nevada | $1,650 | $276 | 20.1% |
New Hampshire | $992 | -$382 | -27.8% |
New Jersey | $1,536 | $162 | 11.8% |
New Mexico | $1,216 | -$158 | -11.5% |
New York | $1,446 | $72 | 5.2% |
North Carolina | $792 | -$582 | -42.4% |
North Dakota | $1,126 | -$248 | -18.0% |
Ohio | $948 | -$426 | -31.0% |
Oklahoma | $1,410 | $36 | 2.6% |
Oregon | $1,258 | -$116 | -8.4% |
Pennsylvania | $1,308 | -$66 | -4.8% |
Rhode Island | $1,832 | $458 | 33.3% |
South Carolina | $1,246 | -$128 | -9.3% |
South Dakota | $1,160 | -$214 | -15.6% |
Tennessee | $1,202 | -$172 | -12.5% |
Texas | $1,656 | $282 | 20.5% |
Utah | $1,016 | -$358 | -26.1% |
Vermont | $940 | -$434 | -31.6% |
Virginia | $822 | -$552 | -40.2% |
Washington | $1,060 | -$314 | -22.9% |
West Virginia | $1,260 | -$114 | -8.3% |
Wisconsin | $950 | -$424 | -30.9% |
Wyoming | $1,224 | -$150 | -10.9% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Tundra Regular Cab 2WD | $1,246 | $104 |
Toyota Tundra SR/5 Double Cab 2WD | $1,282 | $107 |
Toyota Tundra SR/5 Crew Max 2WD | $1,352 | $113 |
Toyota Tundra Regular Cab 4WD | $1,314 | $110 |
Toyota Tundra Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Double Cab 2WD | $1,424 | $119 |
Toyota Tundra SR/5 Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Crew MAX 2WD | $1,460 | $122 |
Toyota Tundra Limited Crew MAX 4WD | $1,492 | $124 |
Toyota Tundra SR/5 Crew Max 4WD | $1,492 | $124 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Toyota Tundra | $260 | $424 | $510 | $1,374 |
2016 Toyota Tundra | $240 | $358 | $520 | $1,298 |
2013 Toyota Tundra | $210 | $288 | $534 | $1,212 |
2012 Toyota Tundra | $194 | $268 | $534 | $1,176 |
2011 Toyota Tundra | $190 | $244 | $540 | $1,154 |
2010 Toyota Tundra | $176 | $222 | $534 | $1,112 |
2008 Toyota Tundra | $162 | $182 | $530 | $1,054 |
2007 Toyota Tundra | $158 | $178 | $520 | $1,036 |
2006 Toyota Tundra | $156 | $168 | $510 | $1,014 |
2005 Toyota Tundra | $142 | $160 | $504 | $986 |
2004 Toyota Tundra | $138 | $152 | $500 | $970 |
Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Toyota Tundra Insurance
Saving money on insurance for a Toyota Tundra takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a recap of the information covered in the charts and tables above.
- It is possible to save as much as $160 per year simply by quoting online in advance
- Drivers age 16 to 20 pay the highest rates, costing up to $442 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $450 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,590 more each year than a safer driver
- Insureds who require an increased level of liability coverage will pay around $560 annually to raise limits from a minimum limit to higher 250/500 limits
Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.
What problems do Toyota Tundras have? The most common issues reported to RepairPal included:
- Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
- Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
- AIR injection Pump failure (136 people have reported this)
- Oxygen Sensor May Fail (123 people have reported this)
- All other reports issues were under 30 reports.
Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.
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What are the safety ratings of the Toyota Tundra?
The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates.
Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.
- Small overlap front (driver-side): Marginal
- Small overlap front (passenger-side): Poor
- Moderate overlap front: Good
- Side: Good
- Roof strength: Acceptable
- Head restraints and seats: Good
As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.
Toyota Tundra Compared Against Other Vehicles in the Same Class
Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment.
Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.
We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,308 |
20 | $3,158 |
30 | $1,418 |
40 | $1,374 |
50 | $1,258 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,674 |
$250 | $1,536 |
$500 | $1,374 |
$1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,374 |
50/100 | $1,594 |
100/300 | $1,722 |
250/500 | $2,053 |
100 CSL | $1,645 |
300 CSL | $1,926 |
500 CSL | $2,130 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,534 |
20 | $5,030 |
30 | $3,012 |
40 | $2,966 |
50 | $2,834 |
60 | $2,808 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $72 |
Multi-vehicle | $73 |
Homeowner | $22 |
5-yr Accident Free | $94 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $57 |
Advance Quote | $65 |
Online Quote | $96 |
Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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