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 prices for a Toyota Tundra are $1,408 every 12 months for full coverage. Comprehensive costs an estimated $270, collision costs $458, and liability coverage costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing around $3,040. Teen drivers cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,408

Policy rates broken down by type of insurance:

Prices include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical 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 insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Information

The chart below shows estimated Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $824
• Using higher $1,000 deductibles will save approximately $166 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,408
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,728
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,040 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $5,408 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $490 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,300 additional every year, depending on your age. Toyota Tundra insurance for high-risk drivers can be around 43% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 the Right Toyota Tundra Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a quick rundown of the material that was covered above.

• Consumers who want higher liability limits will pay about $550 each year to increase from a 30/60 limit to a 250/500 level
• Teens are expensive to insure, costing up to $451 each month if full coverage is included
• Drivers with reckless driving or DUI convictions pay on average $1,630 more annually for Tundra insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year

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.