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 rates for a Toyota Tundra are $1,442 a year for full coverage insurance. Comprehensive insurance costs an estimated $306 each year, collision costs $506, and liability insurance is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $3,106 or more. Teen drivers pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

These rate differences illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Details

The chart below illustrates estimated Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $843
• Raising to $1,000 deductibles will save approximately $182 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,442
• Choosing low deductibles will cost an extra $358 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,106 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,420

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find prices as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $405 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.

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

Finding better rates on Toyota Tundra insurance consists of not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief recap of the data illustrated above.

• Drivers who want higher liability limits will pay about $500 annually to raise from 30/60 bodily injury limits to 250/500 limits
• It is possible to save approximately $170 per year simply by quoting online in advance
• Increasing policy deductibles can save around $550 each year
• Teens are expensive to insure, with premiums being up to $452 per month including comprehensive and collision insurance

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.