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.

Average insurance rates for a Toyota Tundra are $1,440 a year with full coverage. Comprehensive costs approximately $296, collision insurance costs $494, and liability insurance is $470. A policy with just liability insurance costs around $536 a year, and coverage for high-risk drivers costs around $3,106. Teen drivers receive the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

These examples demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below details average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $841
• Raising to $1,000 deductibles will save $178 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,440
• Choosing pricier low deductibles will increase the cost to $1,788
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,106
• The cost for full coverage for a teen driver for full coverage can cost $5,448

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $530 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than average. 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 Best Toyota Tundra Insurance

Saving money on Toyota Tundra insurance consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a brief recap of the material that was touched on above.

• Drivers who purchase higher liability limits will pay about $520 every year to raise from a minimum limit to 250/500 limits
• Teenagers are the costliest to insure, with premiums as much as $454 per month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,670 more per year for car insurance
• Increasing deductibles can save around $525 each year

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.