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 including full coverage. Comprehensive costs on average $306 each year, collision costs $506, and liability coverage costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing around $3,106. Teens receive the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,442
• Selecting low deductibles for comprehensive and collision insurance will cost $1,800
• High-risk insureds with serious driving violations could pay upwards of $3,106 or more
• The cost with full coverage for a teenage driver may cost $5,420 a year

View Chart as Image

Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company calculates rates differently, and rates can be significantly different between companies.

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 auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the coverage data covered in the above illustrations.

• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing deductibles could save up to $550 each year
• Drivers under the age of 20 pay higher rates, as much as $452 per month if they have full coverage
• Drivers who have multiple accidents or major violations pay on average $1,660 more each year to insure a Toyota Tundra

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.