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 including full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $506, and liability costs $450. A liability-only policy costs as little as $518 a year, and high-risk insurance costs $3,106 or more. Teen drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down average Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $843
• Drivers who choose higher $1,000 deductibles will pay approximately $182 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,442
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $358 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,106
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,420 a year

View Chart as Image

Auto insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the model of your Tundra, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $540 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost from 42% to 131% 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 Cheaper Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the material that was raised in the charts and tables above.

• Insureds who want increased liability limits will pay about $500 per year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 are the costliest to insure, with the cost nearing $452 per month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,660 more annually to insure a Toyota Tundra
• Increasing policy deductibles can save around $550 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.