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.

Estimated insurance rates for a Toyota Tundra are $1,442 a year for full coverage insurance. Comprehensive costs around $306 a year, collision insurance costs $506, and liability costs $450. Liability-only insurance costs as little as $518 a year, and high-risk driver insurance costs around $3,106. Teenage drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $843
• Drivers who choose higher $1,000 deductibles will pay about $1,260 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,442
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,800
• Drivers who are prone to accidents and violations could pay at least $3,106
• An auto insurance policy for full coverage for a 16-year-old driver can be $5,420 a year

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $540 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $405 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

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 Cheap Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra not only requires avoiding accidents and violations, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the ideas that were touched on above.

• Teenagers are charged the highest prices, with premiums being up to $452 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,660 more every year for car insurance
• Increasing policy deductibles can save around $550 each year
• It is possible to save up to $170 per year just by quoting early and online

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.