Toyota Tundra Insurance Rates

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.

Estimated insurance prices for a Toyota Tundra are $1,440 every 12 months including full coverage. Comprehensive costs around $296 a year, collision insurance costs $494, and liability is estimated at $470. Liability-only coverage costs approximately $536 a year, and high-risk coverage costs around $3,106. Teens pay the most at up to $5,448 a year.

Average premium for full coverage: $1,440

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $841
• Choosing higher $1,000 deductibles can save about $1,262 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,440
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,788
• Unlucky drivers with serious driving violations could pay at least $3,106
• An auto insurance policy to insure a teen driver can be $5,448 each year

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 every year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,050 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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.

How to Shop for Low Cost Toyota Tundra Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a review of the ideas that were covered in the above illustrations.

• Teenagers pay higher prices, with the cost nearing $454 per month if they have full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,670 more every year for car insurance
• Increasing policy deductibles could save as much as $525 each year
• You may be able to save up to $170 per year just by quoting early and online

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.

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.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

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.