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 insurance rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability coverage costs around $450. Liability-only insurance costs as low as $518 a year, and high-risk driver insurance costs $3,106 or more. 16-year-old drivers cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

The examples above show why everyone should compare prices based on a specific location, rather than using rate averages.

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

Detailed Rate Analysis

The chart below shows average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save around $182 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,442
• Buying pricier low deductibles for physical damage coverage will cost an additional $358 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,106
• Policy cost that insures a teenage driver for full coverage may cost $5,420 or more

View Chart as Image

Auto insurance rates for a Toyota Tundra also range considerably based on the model of your Tundra, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Toyota Tundra insurance for high-risk drivers can be around 42% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,400 a year. View Rates by Age

Your home state has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit

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 Find More Affordable Toyota Tundra Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below is a summary of the data that was touched on in this article.

• Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
• Consumers who require higher levels of liability will pay around $500 each year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers are charged the highest rates, costing up to $452 each month if the policy includes full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,660 more each year for auto insurance

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.