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.

The average auto insurance rates for a Toyota Tundra are $1,440 annually for full coverage insurance. Comprehensive costs on average $296, collision costs $494, and liability insurance costs $470. Buying just liability costs as little as $536 a year, with insurance for high-risk drivers costing around $3,106. Teenage drivers cost the most to insure at $5,448 a year or more.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best discount rate is $841
• Drivers who choose higher $1,000 deductibles will pay around $178 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,440
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,788
• High risk drivers who are prone to accidents and violations could pay upwards of $3,106 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $5,448 a year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $530 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,940 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy the Cheapest Toyota Tundra Insurance

Finding cheaper rates on Toyota Tundra insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to shop around every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a recap of the information illustrated above.

• It is possible to save as much as $170 per year simply by shopping early and online
• Drivers age 20 and younger pay the highest rates, possibly costing $454 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• High-risk drivers that have major violations or accidents may pay on average $1,670 more each year to buy Toyota Tundra insurance
• Drivers who require increased levels of liability coverage will pay an extra $520 annually to go from a 30/60 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.

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.