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.

Average auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage insurance. Comprehensive insurance costs around $306, collision insurance costs $506, and liability is $450. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs $3,106 or more. Teens receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates for individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $843
• Raising to $1,000 deductibles will save about $182 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,442
• Selecting pricier low deductibles costs an additional $358 every year
• At-risk drivers with serious driving violations could pay at least $3,106
• The cost with full coverage for a teen driver for full coverage can be $5,420

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Auto insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

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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 More Affordable Toyota Tundra Insurance

Saving money on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a summary of the material that was covered above.

• Policyholders who may need more liability coverage will pay approximately $500 annually to raise from a minimum limit to higher 250/500 limits
• Teen drivers are expensive to insure, costing up to $452 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations pay on average $1,660 more every year to insure their Tundra
• Increasing deductibles could save up to $550 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.