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 auto insurance rates for a Toyota Tundra are $1,440 annually for full coverage. Comprehensive costs on average $296, collision insurance costs $494, and liability costs $470. A policy with just liability insurance costs as little as $536 a year, and coverage for high-risk drivers costs around $3,106. Teen drivers pay the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have fewer accident claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $841
• Drivers who choose higher $1,000 deductibles will pay around $178 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,440
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,788
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,106
• The price with full coverage for a 16-year-old driver for full coverage may cost $5,448 a year

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Insurance prices for a Toyota Tundra are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Toyota Tundra insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $530 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

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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 Cheaper Toyota Tundra Insurance

Getting lower rates on insurance for a Toyota Tundra not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a condensed summary of the ideas that were illustrated above.

• Drivers age 16 to 20 pay the highest prices, with premiums as much as $454 a month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,670 more each year than a safer driver
• Increasing physical damage deductibles could save up to $525 each year
• Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date

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.