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.

U.S. average insurance rates for a Toyota Tundra are $1,442 a year with full coverage. Comprehensive insurance costs approximately $306 a year, collision costs $506, and liability coverage is $450. A policy with just liability insurance costs around $518 a year, with coverage for high-risk drivers costing $3,106 or more. Teenage drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

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

The ranges above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $843
• Raising to $1,000 deductibles will save $1,260 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,442
• Using low $100 deductibles will cost an extra $358 each year
• Unlucky drivers who are prone to accidents and violations could pay around $3,106 or more
• The price for full coverage for a teenage driver can cost $5,420

View Chart as Image

Insurance prices for a Toyota Tundra are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find prices as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $405 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different 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 Cheaper Toyota Tundra Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following is a condensed summary of the information covered above.

• You may be able to save around $170 per year simply by quoting early and online
• Teens are expensive to insure, costing up to $452 a month for full coverage
• Increasing physical damage deductibles can save around $550 each year
• Drivers with multiple at-fault accidents pay on average $1,660 more per year for Tundra insurance
• Consumers who purchase higher liability limits will pay an extra $500 every year to raise from a low 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.