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 including full coverage. Comprehensive costs on average $296 each year, collision costs $494, and liability coverage is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,106. Teen drivers cost the most to insure at $5,448 a year or more.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using price averages.

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

More Rate Details

The chart below breaks down estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $841
• Raising to $1,000 deductibles will save around $178 every year
• The average price for a good driver age 40 with $500 deductibles is $1,440
• Choosing low deductibles increases the price to $1,788
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,106 or more
• Policy cost to insure a teenage driver may cost $5,448

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Tundra.

Choosing high deductibles can reduce rates by up to $530 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $423 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $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 are likely paying at a minimum $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,050 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 Low Cost Toyota Tundra Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a review of the coverage data illustrated above.

• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers under the age of 20 pay higher rates, with premiums being up to $454 each month if full coverage is included
• Drivers who have several accidents or serious violations may pay on average $1,670 more each year to insure a Toyota Tundra

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.