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.

The average insurance prices for a Toyota Tundra are $1,440 every 12 months for full coverage. Comprehensive insurance costs around $296 a year, collision insurance costs $494, and liability is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs $3,106 or more. Teens cost the most to insure at up to $5,448 a year.

Average premium for full coverage: $1,440

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $841
• Choosing higher $1,000 deductibles can save about $1,262 a year
• The average price for a good driver age 40 using $500 deductibles is $1,440
• Selecting low $100 deductibles for comp and collision coverage costs an extra $348 every year
• Unlucky drivers with serious driving violations could pay at least $3,106
• Policy cost to insure a teen driver can be $5,448 each year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,050 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Cheapest Toyota Tundra Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a recap of the data raised in the charts and tables above.

• Policyholders who may need more liability coverage will pay approximately $520 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teen drivers pay higher rates, costing up to $454 each month if they have full coverage

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.