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.

Estimated insurance prices for a Toyota Tundra are $1,440 every 12 months including full coverage. Comprehensive costs on average $296 a year, collision costs $494, and liability coverage costs around $470. Liability-only coverage costs as low as $536 a year, with high-risk coverage costing around $3,106. Teen drivers pay the most at $5,448 a year or more.

Average premium for full coverage: $1,440

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why it is important to compare prices 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.

Rates by State, City, and Model

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

• The lowest rate with discounts is $841
• Using higher $1,000 deductibles will save around $1,262 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,440
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,788
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,106 or more
• An auto insurance policy to insure a teenage driver may cost $5,448 or more

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Tundra.

Choosing high deductibles could cut prices by as much as $530 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices 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

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different.

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 Affordable Toyota Tundra Insurance

Finding better rates on auto insurance requires being a low-risk driver, having good credit, refrain from filing small claims, and bundling your home and auto policies. Take the time to compare rates at every other renewal by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief review of the concepts that were covered in the above illustrations.

• Drivers with DUI or reckless driving convictions may pay on average $1,670 more each year to insure their Tundra
• Teen drivers pay the highest prices, with the cost nearing $454 per month if they have full coverage
• You may be able to save as much as $170 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $525 each year
• You may be able to save as much as $170 per year simply by quoting early and online

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.