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 costs an estimated $306, collision insurance costs $506, and liability coverage costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs around $3,106. Teens pay the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below details average Toyota Tundra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $843
• Drivers who choose higher $1,000 deductibles will pay approximately $182 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,442
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,800
• High-risk insureds with serious driving violations could pay up to $3,106
• The price for full coverage for a teenage driver with full coverage can cost as much as $5,420 a year

View Chart as Image

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

An older driver with a good driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

The state you live in makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $405 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost around 42% to 131% more than the average 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 the Cheapest Toyota Tundra Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every year by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a recap of the coverage data touched on in this article.

• You may be able to save approximately $170 per year just by shopping early and online
• Increasing physical damage deductibles can save around $550 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $452 a month if they have full coverage
• Drivers that have major violations or accidents may pay on average $1,660 more annually than a safer driver

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.