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.
The average auto insurance rates for a Toyota Tundra are $1,374 annually including full coverage. Comprehensive insurance costs approximately $260, collision costs $424, and liability coverage costs around $510. Buying just liability costs as low as $568 a year, with insurance for high-risk drivers costing $2,966 or more. Teens cost the most to insure at $5,308 a year or more.
Average premium for full coverage: $1,374
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Tundra models.
Price Range Variability
For a driver in their 40's, Toyota Tundra insurance rates go from as cheap as $568 for just the minimum liability insurance to the much higher price of $2,966 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location helps determine auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.
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 Analysis
The chart below breaks down estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $807
- Using higher $1,000 deductibles will save $154 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,374
- Selecting pricier low deductibles for physical damage coverage costs an additional $300 each year
- Higher-risk drivers with serious driving violations could pay around $2,966 or more
- Policy cost with full coverage for a teenage driver for full coverage can cost $5,308 or more
Insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers can be around 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,240 | -$134 | -9.8% |
Alaska | $1,054 | -$320 | -23.3% |
Arizona | $1,142 | -$232 | -16.9% |
Arkansas | $1,374 | -$0 | 0.0% |
California | $1,566 | $192 | 14.0% |
Colorado | $1,310 | -$64 | -4.7% |
Connecticut | $1,412 | $38 | 2.8% |
Delaware | $1,554 | $180 | 13.1% |
Florida | $1,718 | $344 | 25.0% |
Georgia | $1,268 | -$106 | -7.7% |
Hawaii | $984 | -$390 | -28.4% |
Idaho | $932 | -$442 | -32.2% |
Illinois | $1,022 | -$352 | -25.6% |
Indiana | $1,036 | -$338 | -24.6% |
Iowa | $926 | -$448 | -32.6% |
Kansas | $1,304 | -$70 | -5.1% |
Kentucky | $1,874 | $500 | 36.4% |
Louisiana | $2,032 | $658 | 47.9% |
Maine | $848 | -$526 | -38.3% |
Maryland | $1,132 | -$242 | -17.6% |
Massachusetts | $1,098 | -$276 | -20.1% |
Michigan | $2,386 | $1,012 | 73.7% |
Minnesota | $1,150 | -$224 | -16.3% |
Mississippi | $1,646 | $272 | 19.8% |
Missouri | $1,216 | -$158 | -11.5% |
Montana | $1,476 | $102 | 7.4% |
Nebraska | $1,082 | -$292 | -21.3% |
Nevada | $1,650 | $276 | 20.1% |
New Hampshire | $992 | -$382 | -27.8% |
New Jersey | $1,536 | $162 | 11.8% |
New Mexico | $1,216 | -$158 | -11.5% |
New York | $1,446 | $72 | 5.2% |
North Carolina | $792 | -$582 | -42.4% |
North Dakota | $1,126 | -$248 | -18.0% |
Ohio | $948 | -$426 | -31.0% |
Oklahoma | $1,410 | $36 | 2.6% |
Oregon | $1,258 | -$116 | -8.4% |
Pennsylvania | $1,308 | -$66 | -4.8% |
Rhode Island | $1,832 | $458 | 33.3% |
South Carolina | $1,246 | -$128 | -9.3% |
South Dakota | $1,160 | -$214 | -15.6% |
Tennessee | $1,202 | -$172 | -12.5% |
Texas | $1,656 | $282 | 20.5% |
Utah | $1,016 | -$358 | -26.1% |
Vermont | $940 | -$434 | -31.6% |
Virginia | $822 | -$552 | -40.2% |
Washington | $1,060 | -$314 | -22.9% |
West Virginia | $1,260 | -$114 | -8.3% |
Wisconsin | $950 | -$424 | -30.9% |
Wyoming | $1,224 | -$150 | -10.9% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Tundra Regular Cab 2WD | $1,246 | $104 |
Toyota Tundra SR/5 Double Cab 2WD | $1,282 | $107 |
Toyota Tundra SR/5 Crew Max 2WD | $1,352 | $113 |
Toyota Tundra Regular Cab 4WD | $1,314 | $110 |
Toyota Tundra Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Double Cab 2WD | $1,424 | $119 |
Toyota Tundra SR/5 Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Crew MAX 2WD | $1,460 | $122 |
Toyota Tundra Limited Crew MAX 4WD | $1,492 | $124 |
Toyota Tundra SR/5 Crew Max 4WD | $1,492 | $124 |
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 | $260 | $424 | $510 | $1,374 |
2016 Toyota Tundra | $240 | $358 | $520 | $1,298 |
2013 Toyota Tundra | $210 | $288 | $534 | $1,212 |
2012 Toyota Tundra | $194 | $268 | $534 | $1,176 |
2011 Toyota Tundra | $190 | $244 | $540 | $1,154 |
2010 Toyota Tundra | $176 | $222 | $534 | $1,112 |
2008 Toyota Tundra | $162 | $182 | $530 | $1,054 |
2007 Toyota Tundra | $158 | $178 | $520 | $1,036 |
2006 Toyota Tundra | $156 | $168 | $510 | $1,014 |
2005 Toyota Tundra | $142 | $160 | $504 | $986 |
2004 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 Buy the Cheapest Toyota Tundra Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a recap of the information covered in the charts and tables above.
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $442 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Drivers that have major violations or accidents may have to pay on average $1,590 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay approximately $560 per year to increase from a 30/60 limit to higher 250/500 limits
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
Driver Age | Premium |
---|---|
16 | $5,308 |
20 | $3,158 |
30 | $1,418 |
40 | $1,374 |
50 | $1,258 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,674 |
$250 | $1,536 |
$500 | $1,374 |
$1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,374 |
50/100 | $1,594 |
100/300 | $1,722 |
250/500 | $2,053 |
100 CSL | $1,645 |
300 CSL | $1,926 |
500 CSL | $2,130 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,534 |
20 | $5,030 |
30 | $3,012 |
40 | $2,966 |
50 | $2,834 |
60 | $2,808 |
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.
Discount | Savings |
---|---|
Multi-policy | $72 |
Multi-vehicle | $73 |
Homeowner | $22 |
5-yr Accident Free | $94 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $57 |
Advance Quote | $65 |
Online Quote | $96 |
Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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