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.

U.S. average insurance rates for a Toyota Tundra are $1,442 a year with full coverage. Comprehensive costs on average $306 each year, collision insurance costs $506, and liability insurance costs $450. Liability-only insurance costs as little as $518 a year, and high-risk driver insurance costs around $3,106. Teens pay the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Tundra models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

More Rate Details

The chart below details average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,442
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,800
• High risk drivers with serious driving violations could pay upwards of $3,106
• The price for full coverage for a teen driver may cost $5,420 a year

View Chart as Image

Car insurance prices for a Toyota Tundra are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,950 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average policy. 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 Affordable Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a brief review of the data covered in the above illustrations.

• Drivers who require increased levels of liability coverage will pay approximately $500 every year to go from a low limit to 250/500 limits
• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $550 each year
• Drivers age 20 and younger are expensive to insure, costing up to $452 a month if full coverage 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.

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.