Toyota Tundra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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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 insurance rates for a Toyota Tundra are $1,426 a year for full coverage. Comprehensive costs on average $286 a year, collision costs $474, and liability insurance costs $486. A liability-only policy costs as little as $548 a year, with high-risk insurance costing around $3,074. Teen drivers receive the highest rates at $5,424 a year or more.

Average premium for full coverage: $1,426

Rate estimates by individual coverage type:

Comprehensive $286
Collision $474
Liability $486

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Tundra trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $548 for only liability insurance to a high of $3,074 for a high risk driver.

Liability Only $548
Full Coverage $1,426
High Risk $3,074

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,070
Small Cities $1,497
Large Cities $1,925

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

The chart below shows estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $835
  • Drivers who choose higher $1,000 deductibles will pay around $1,254 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,426
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,760
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,074 or more
  • The cost for full coverage for a teen driver may cost $5,424 a year

View Chart as Image

Toyota Tundra insurance cost comparison chart
Column chart showing full coverage Toyota Tundra insurance rates range from $835 to $5,424

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

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,400 a year. View Rates by Age

Where you live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or as much as $2,030 on average in Michigan, Louisiana, and New York.

Toyota Tundra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,286 -$140 -9.8%
Alaska $1,094 -$332 -23.3%
Arizona $1,184 -$242 -17.0%
Arkansas $1,426 -$0 0.0%
California $1,622 $196 13.7%
Colorado $1,360 -$66 -4.6%
Connecticut $1,462 $36 2.5%
Delaware $1,612 $186 13.0%
Florida $1,782 $356 25.0%
Georgia $1,316 -$110 -7.7%
Hawaii $1,022 -$404 -28.3%
Idaho $966 -$460 -32.3%
Illinois $1,062 -$364 -25.5%
Indiana $1,076 -$350 -24.5%
Iowa $962 -$464 -32.5%
Kansas $1,352 -$74 -5.2%
Kentucky $1,942 $516 36.2%
Louisiana $2,110 $684 48.0%
Maine $880 -$546 -38.3%
Maryland $1,176 -$250 -17.5%
Massachusetts $1,136 -$290 -20.3%
Michigan $2,472 $1,046 73.4%
Minnesota $1,192 -$234 -16.4%
Mississippi $1,708 $282 19.8%
Missouri $1,262 -$164 -11.5%
Montana $1,532 $106 7.4%
Nebraska $1,124 -$302 -21.2%
Nevada $1,708 $282 19.8%
New Hampshire $1,028 -$398 -27.9%
New Jersey $1,594 $168 11.8%
New Mexico $1,262 -$164 -11.5%
New York $1,498 $72 5.0%
North Carolina $820 -$606 -42.5%
North Dakota $1,168 -$258 -18.1%
Ohio $984 -$442 -31.0%
Oklahoma $1,462 $36 2.5%
Oregon $1,304 -$122 -8.6%
Pennsylvania $1,356 -$70 -4.9%
Rhode Island $1,900 $474 33.2%
South Carolina $1,292 -$134 -9.4%
South Dakota $1,204 -$222 -15.6%
Tennessee $1,244 -$182 -12.8%
Texas $1,714 $288 20.2%
Utah $1,052 -$374 -26.2%
Vermont $976 -$450 -31.6%
Virginia $852 -$574 -40.3%
Washington $1,098 -$328 -23.0%
West Virginia $1,304 -$122 -8.6%
Wisconsin $986 -$440 -30.9%
Wyoming $1,268 -$158 -11.1%

View Chart as Image

Toyota Tundra insurance rates by U.S. city

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $438 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Tundra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Tundra Regular Cab 2WD $1,284 $107
Toyota Tundra SR/5 Double Cab 2WD $1,324 $110
Toyota Tundra SR/5 Crew Max 2WD $1,402 $117
Toyota Tundra Regular Cab 4WD $1,358 $113
Toyota Tundra Double Cab 4WD $1,398 $117
Toyota Tundra Limited Double Cab 2WD $1,482 $124
Toyota Tundra SR/5 Double Cab 4WD $1,398 $117
Toyota Tundra Limited Crew MAX 2WD $1,522 $127
Toyota Tundra Limited Crew MAX 4WD $1,556 $130
Toyota Tundra SR/5 Crew Max 4WD $1,556 $130

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.

Toyota Tundra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Tundra $286 $474 $486 $1,426
2016 Toyota Tundra $260 $424 $510 $1,374
2013 Toyota Tundra $224 $330 $520 $1,254
2012 Toyota Tundra $216 $310 $524 $1,230
2011 Toyota Tundra $210 $288 $534 $1,212
2010 Toyota Tundra $194 $268 $534 $1,176
2008 Toyota Tundra $176 $222 $534 $1,112
2007 Toyota Tundra $166 $202 $534 $1,082
2006 Toyota Tundra $162 $182 $530 $1,054
2005 Toyota Tundra $158 $178 $520 $1,036
2004 Toyota Tundra $156 $168 $510 $1,014
2003 Toyota Tundra $142 $160 $504 $986
2002 Toyota Tundra $138 $152 $500 $970

Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Toyota Tundra Insurance

Saving money on Toyota Tundra insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $540 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $452 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,650 more each year for insurance

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.

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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.

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.

Rates by Driver Age

Toyota Tundra Insurance Rates by Driver Age
Driver Age Premium
16 $5,424
20 $3,272
30 $1,474
40 $1,426
50 $1,304
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tundra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,606
$500 $1,426
$1,000 $1,254

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tundra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,426
50/100 $1,653
100/300 $1,775
250/500 $2,091
100 CSL $1,702
300 CSL $1,969
500 CSL $2,164

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tundra Insurance Rates for High Risk Drivers
Age Premium
16 $7,710
20 $5,208
30 $3,128
40 $3,074
50 $2,932
60 $2,906

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $99
5-yr Claim Free $91
Paid in Full/EFT $61
Advance Quote $68
Online Quote $100
Total Discounts $591
Rate after discounts $835

Discounts are estimated and may not be available from every company or in every state.

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