Toyota Tundra Insurance Rates
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UPDATED: Jun 6, 2023
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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.
U.S. average insurance prices for a Toyota Tundra are $1,408 every 12 months for full coverage insurance. Comprehensive costs an estimated $270 each year, collision insurance costs $458, and liability is $500. A policy with just liability insurance costs around $560 a year, and coverage for high-risk drivers costs around $3,040. Teen drivers pay the highest rates at up to $5,408 a year.
Average premium for full coverage: $1,408
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Tundra models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Tundra insurance prices range from the cheapest price of $560 for the bare minimum liability coverage to a high rate of $3,040 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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.
Additional Rate Information
The chart below illustrates average Toyota Tundra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $824
- Raising to $1,000 deductibles will save approximately $166 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,408
- Choosing low deductibles increases the price to $1,728
- Drivers with multiple violations and an at-fault accident could pay up to $3,040
- The price to insure a 16-year-old driver can cost as much as $5,408
Insurance prices for a Toyota Tundra are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $490 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Toyota Tundra Regular Cab 2WD||$1,274||$106|
|Toyota Tundra SR/5 Double Cab 2WD||$1,310||$109|
|Toyota Tundra SR/5 Crew Max 2WD||$1,386||$116|
|Toyota Tundra Regular Cab 4WD||$1,344||$112|
|Toyota Tundra Double Cab 4WD||$1,380||$115|
|Toyota Tundra Limited Double Cab 2WD||$1,462||$122|
|Toyota Tundra SR/5 Double Cab 4WD||$1,380||$115|
|Toyota Tundra Limited Crew MAX 2WD||$1,500||$125|
|Toyota Tundra Limited Crew MAX 4WD||$1,532||$128|
|Toyota Tundra SR/5 Crew Max 4WD||$1,532||$128|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Toyota Tundra||$270||$458||$500||$1,408|
|2016 Toyota Tundra||$250||$400||$514||$1,344|
|2013 Toyota Tundra||$216||$310||$524||$1,230|
|2012 Toyota Tundra||$210||$288||$534||$1,212|
|2011 Toyota Tundra||$194||$268||$534||$1,176|
|2010 Toyota Tundra||$190||$244||$540||$1,154|
|2008 Toyota Tundra||$166||$202||$534||$1,082|
|2007 Toyota Tundra||$162||$182||$530||$1,054|
|2006 Toyota Tundra||$158||$178||$520||$1,036|
|2005 Toyota Tundra||$156||$168||$510||$1,014|
|2004 Toyota Tundra||$142||$160||$504||$986|
|2003 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 Shop for Affordable Toyota Tundra Insurance
Getting lower rates on insurance for a Toyota Tundra consists of having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief review of the coverage data touched on in this article.
- It is possible to save approximately $170 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $475 each year
- 16 to 18-year-old drivers are charged the highest prices, as much as $451 a month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,630 more annually than a driver with a clean driving record
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.