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

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save about $1,260 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,442
• Buying low $100 deductibles for physical damage coverage costs an additional $358 a year
• Drivers with multiple tickets or accidents could pay at least $3,106
• An auto insurance policy with full coverage for a teen driver can be $5,420 or more

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on the model of your Tundra, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $405 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,950 on average in Florida, Michigan, and New York.

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 Buy Cheaper Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The list below is a condensed summary of the information covered in the above illustrations.

• You may be able to save up to $170 per year just by quoting early and online
• Teenagers pay higher prices, possibly costing $452 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $550 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,660 more every year for car insurance
• Drivers who may need higher liability limits will pay around $500 every year to increase from 30/60 bodily injury limits 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.