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Toyota Tundra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 7, 2021

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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 $1,442 every 12 months including full coverage. Comprehensive costs around $306 a year, collision insurance costs $506, and liability insurance is $450. A liability-only policy costs around $518 a year, and high-risk insurance costs around $3,106. Teens pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

Comprehensive $306
Collision $506
Liability $450

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Tundra range from the cheapest price of $518 for just liability coverage to a high of $3,106 for a driver required to buy high-risk insurance.

Liability Only $518
Full Coverage $1,442
High Risk $3,106

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,082
Small Cities $1,514
Large Cities $1,947

These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $843
  • Raising to $1,000 deductibles will save about $1,260 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,442
  • Selecting low $100 deductibles increases the price to $1,800
  • Higher-risk drivers with serious driving violations could pay at least $3,106
  • An auto insurance policy to insure a teen driver can be $5,420

View Chart as Image

Toyota Tundra insurance cost comparison chart
Column chart showing Toyota Tundra insurance rates range from $843 to $5,420 for full coverage

Auto 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 and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $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 least $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

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 $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,060 on average in Michigan, New York, and Louisiana.

Toyota Tundra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,306 -$136 -9.4%
Alaska $1,108 -$334 -23.2%
Arizona $1,198 -$244 -16.9%
Arkansas $1,442 -$0 0.0%
California $1,646 $204 14.1%
Colorado $1,376 -$66 -4.6%
Connecticut $1,482 $40 2.8%
Delaware $1,634 $192 13.3%
Florida $1,806 $364 25.2%
Georgia $1,334 -$108 -7.5%
Hawaii $1,036 -$406 -28.2%
Idaho $980 -$462 -32.0%
Illinois $1,074 -$368 -25.5%
Indiana $1,090 -$352 -24.4%
Iowa $974 -$468 -32.5%
Kansas $1,372 -$70 -4.9%
Kentucky $1,968 $526 36.5%
Louisiana $2,136 $694 48.1%
Maine $892 -$550 -38.1%
Maryland $1,192 -$250 -17.3%
Massachusetts $1,154 -$288 -20.0%
Michigan $2,504 $1,062 73.6%
Minnesota $1,208 -$234 -16.2%
Mississippi $1,732 $290 20.1%
Missouri $1,280 -$162 -11.2%
Montana $1,550 $108 7.5%
Nebraska $1,138 -$304 -21.1%
Nevada $1,732 $290 20.1%
New Hampshire $1,042 -$400 -27.7%
New Jersey $1,614 $172 11.9%
New Mexico $1,278 -$164 -11.4%
New York $1,520 $78 5.4%
North Carolina $832 -$610 -42.3%
North Dakota $1,182 -$260 -18.0%
Ohio $996 -$446 -30.9%
Oklahoma $1,480 $38 2.6%
Oregon $1,322 -$120 -8.3%
Pennsylvania $1,376 -$66 -4.6%
Rhode Island $1,924 $482 33.4%
South Carolina $1,310 -$132 -9.2%
South Dakota $1,218 -$224 -15.5%
Tennessee $1,262 -$180 -12.5%
Texas $1,738 $296 20.5%
Utah $1,068 -$374 -25.9%
Vermont $988 -$454 -31.5%
Virginia $864 -$578 -40.1%
Washington $1,114 -$328 -22.7%
West Virginia $1,324 -$118 -8.2%
Wisconsin $998 -$444 -30.8%
Wyoming $1,288 -$154 -10.7%

View Chart as Image

Toyota Tundra insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Tundra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Tundra Regular Cab 2WD $1,292 $108
Toyota Tundra SR/5 Double Cab 2WD $1,334 $111
Toyota Tundra SR/5 Crew Max 2WD $1,418 $118
Toyota Tundra Regular Cab 4WD $1,372 $114
Toyota Tundra Double Cab 4WD $1,414 $118
Toyota Tundra Limited Double Cab 2WD $1,502 $125
Toyota Tundra SR/5 Double Cab 4WD $1,414 $118
Toyota Tundra Limited Crew MAX 2WD $1,546 $129
Toyota Tundra Limited Crew MAX 4WD $1,582 $132
Toyota Tundra SR/5 Crew Max 4WD $1,582 $132

Rates assume 2020 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.

Toyota Tundra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Tundra $306 $506 $450 $1,442
2019 Toyota Tundra $296 $494 $470 $1,440
2018 Toyota Tundra $286 $474 $486 $1,426
2017 Toyota Tundra $270 $458 $500 $1,408
2016 Toyota Tundra $260 $424 $510 $1,374
2015 Toyota Tundra $250 $400 $514 $1,344
2014 Toyota Tundra $240 $358 $520 $1,298
2013 Toyota Tundra $224 $330 $520 $1,254
2012 Toyota Tundra $216 $310 $524 $1,230
2011 Toyota Tundra $210 $288 $534 $1,212
2010 Toyota Tundra $194 $268 $534 $1,176
2009 Toyota Tundra $190 $244 $540 $1,154
2008 Toyota Tundra $176 $222 $534 $1,112
2007 Toyota Tundra $166 $202 $534 $1,082
2006 Toyota Tundra $162 $182 $530 $1,054
2005 Toyota Tundra $158 $178 $520 $1,036
2004 Toyota Tundra $156 $168 $510 $1,014
2003 Toyota Tundra $142 $160 $504 $986
2002 Toyota Tundra $138 $152 $500 $970

Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance consists of being a safe and courteous driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the data covered in the above illustrations.

  • Drivers who may need higher levels of liability will pay approximately $500 per year to raise from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save up to $170 per year just by quoting early and online
  • Increasing policy deductibles could save as much as $550 each year
  • Teenage drivers are expensive to insure, with the cost nearing $452 per month if comprehensive and collision insurance is included

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.

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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.

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.

Rates by Driver Age

Toyota Tundra Insurance Rates by Driver Age
Driver Age Premium
16 $5,420
20 $3,312
30 $1,502
40 $1,442
50 $1,318
60 $1,294

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tundra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,636
$500 $1,442
$1,000 $1,260

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tundra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,442
50/100 $1,672
100/300 $1,785
250/500 $2,077
100 CSL $1,717
300 CSL $1,965
500 CSL $2,145

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tundra Insurance Rates for High Risk Drivers
Age Premium
16 $7,710
20 $5,260
30 $3,168
40 $3,106
50 $2,964
60 $2,936

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $76
Multi-vehicle $74
Homeowner $22
5-yr Accident Free $102
5-yr Claim Free $92
Paid in Full/EFT $63
Advance Quote $69
Online Quote $101
Total Discounts $599
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

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