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 $1,440 a year for full coverage insurance. Comprehensive insurance costs approximately $296, collision costs $494, and liability costs around $470. A liability-only policy costs as low as $536 a year, with high-risk insurance costing $3,106 or more. Teen 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:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $841
• Using higher $1,000 deductibles will save $178 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,440
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $348 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,106 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $5,448 or more

View Chart as Image

Car insurance rates for a Toyota Tundra also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,940 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $530 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 insurance for a Toyota Tundra requires having a good driving record, having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the information presented in the illustrations above.

• It is possible to save around $170 per year simply by shopping early and online
• Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $454 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,670 more per year to buy Toyota Tundra insurance
• Insureds who purchase increased levels of liability coverage will pay about $520 annually to increase from a 30/60 limit to 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.