Toyota Tundra SR/5 Double Cab 4WD Insurance Rates

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U.S. average insurance prices for a Toyota Tundra SR/5 Double Cab 4WD are $1,438 every 12 months including full coverage. Comprehensive insurance costs an estimated $340 each year, collision insurance costs $508, and liability insurance costs $410. Just liability insurance costs as little as $486 a year, and coverage for high-risk drivers costs $3,072 or more. Teenage drivers pay the highest rates at up to $5,290 a year.

Annual premium for full coverage: $1,438

Price estimates broken down by individual coverage:

Comprehensive $340
Collision $508
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Tundra Trim Level

For the average 40-year-old driver, Toyota Tundra SR/5 Double Cab 4WD insurance prices range from the cheapest price of $486 for basic liability insurance to a high rate of $3,072 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,438
High Risk $3,072

These price ranges highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

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Insurance rates for a Toyota Tundra SR/5 Double Cab 4WD are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year.

Using high physical damage deductibles could save up to $570 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $369 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Tundra SR/5 Double Cab 4WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates may be quite different.

View Chart as Image

Toyota Tundra SR/5 Double Cab 4WD insurance cost comparison chart
Column chart showing Toyota Tundra SR/5 Double Cab 4WD insurance prices range from $847 to $5,290 for full coverage

The chart above shows average Toyota Tundra SR/5 Double Cab 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $847. Drivers who use higher $1,000 deductibles will pay $1,244. The average rate for a driver around age 40 using $500 deductibles is $1,438. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,808. Drivers with multiple violations and accidents could be charged at least $3,072. The policy rate for full coverage for a teenage driver is $5,290.

Toyota Tundra SR/5 Double Cab 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,302 -$136 -9.5%
Alaska $1,104 -$334 -23.2%
Arizona $1,194 -$244 -17.0%
Arkansas $1,438 -$0 0.0%
California $1,640 $202 14.0%
Colorado $1,374 -$64 -4.5%
Connecticut $1,478 $40 2.8%
Delaware $1,628 $190 13.2%
Florida $1,802 $364 25.3%
Georgia $1,330 -$108 -7.5%
Hawaii $1,030 -$408 -28.4%
Idaho $974 -$464 -32.3%
Illinois $1,070 -$368 -25.6%
Indiana $1,086 -$352 -24.5%
Iowa $972 -$466 -32.4%
Kansas $1,366 -$72 -5.0%
Kentucky $1,962 $524 36.4%
Louisiana $2,130 $692 48.1%
Maine $890 -$548 -38.1%
Maryland $1,186 -$252 -17.5%
Massachusetts $1,148 -$290 -20.2%
Michigan $2,498 $1,060 73.7%
Minnesota $1,206 -$232 -16.1%
Mississippi $1,724 $286 19.9%
Missouri $1,276 -$162 -11.3%
Montana $1,546 $108 7.5%
Nebraska $1,134 -$304 -21.1%
Nevada $1,726 $288 20.0%
New Hampshire $1,038 -$400 -27.8%
New Jersey $1,610 $172 12.0%
New Mexico $1,274 -$164 -11.4%
New York $1,516 $78 5.4%
North Carolina $828 -$610 -42.4%
North Dakota $1,178 -$260 -18.1%
Ohio $992 -$446 -31.0%
Oklahoma $1,478 $40 2.8%
Oregon $1,318 -$120 -8.3%
Pennsylvania $1,370 -$68 -4.7%
Rhode Island $1,920 $482 33.5%
South Carolina $1,304 -$134 -9.3%
South Dakota $1,214 -$224 -15.6%
Tennessee $1,258 -$180 -12.5%
Texas $1,732 $294 20.4%
Utah $1,064 -$374 -26.0%
Vermont $984 -$454 -31.6%
Virginia $860 -$578 -40.2%
Washington $1,110 -$328 -22.8%
West Virginia $1,318 -$120 -8.3%
Wisconsin $996 -$442 -30.7%
Wyoming $1,282 -$156 -10.8%

View Chart as Image

Toyota Tundra SR/5 Double Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Tundra SR/5 Double Cab 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,290
20 $3,268
30 $1,498
40 $1,438
50 $1,312
60 $1,284

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tundra SR/5 Double Cab 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,808
$250 $1,638
$500 $1,438
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tundra SR/5 Double Cab 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,438
50/100 $1,520
100/300 $1,623
250/500 $1,889
100 CSL $1,561
300 CSL $1,787
500 CSL $1,951

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tundra SR/5 Double Cab 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,526
20 $5,178
30 $3,140
40 $3,072
50 $2,928
60 $2,898

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.

SR-22 Surcharge $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $68
Online Quote $101
Total Discounts $591
Rate after discounts $847

Discounts are estimated and may not be available from every company or in every state.

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