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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: Apr 9, 2020

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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 $1,452 every 12 months including full coverage. Comprehensive costs around $320 a year, collision insurance costs $512, and liability insurance is $440. A liability-only policy costs around $510 a year, and high-risk insurance costs around $3,114. Teens pay the most at up to $5,408 a year.

Average premium for full coverage: $1,452

Premium estimates for type of coverage:

Comprehensive $320
Collision $512
Liability $440

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 $510 for just liability coverage to a high of $3,114 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,452
High Risk $3,114

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 $1,089
Small Cities $1,525
Large Cities $1,960

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 $850
  • 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 $1,452
  • Selecting low $100 deductibles increases the price to $1,814
  • Higher-risk drivers with serious driving violations could pay at least $3,114
  • An auto insurance policy to insure a teen driver can be $5,408

View Chart as Image

Toyota Tundra insurance cost comparison chart
Column chart showing Toyota Tundra insurance rates range from $850 to $5,408 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 $560 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 $396 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 43% 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 $2,070 on average in Michigan, New York, and Louisiana.

Toyota Tundra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,310 -$142 -9.8%
Alaska $1,114 -$338 -23.3%
Arizona $1,206 -$246 -16.9%
Arkansas $1,452 -$0 0.0%
California $1,652 $200 13.8%
Colorado $1,384 -$68 -4.7%
Connecticut $1,490 $38 2.6%
Delaware $1,642 $190 13.1%
Florida $1,814 $362 24.9%
Georgia $1,340 -$112 -7.7%
Hawaii $1,040 -$412 -28.4%
Idaho $982 -$470 -32.4%
Illinois $1,078 -$374 -25.8%
Indiana $1,096 -$356 -24.5%
Iowa $980 -$472 -32.5%
Kansas $1,378 -$74 -5.1%
Kentucky $1,978 $526 36.2%
Louisiana $2,148 $696 47.9%
Maine $898 -$554 -38.2%
Maryland $1,198 -$254 -17.5%
Massachusetts $1,158 -$294 -20.2%
Michigan $2,520 $1,068 73.6%
Minnesota $1,214 -$238 -16.4%
Mississippi $1,738 $286 19.7%
Missouri $1,288 -$164 -11.3%
Montana $1,560 $108 7.4%
Nebraska $1,144 -$308 -21.2%
Nevada $1,740 $288 19.8%
New Hampshire $1,046 -$406 -28.0%
New Jersey $1,624 $172 11.8%
New Mexico $1,284 -$168 -11.6%
New York $1,528 $76 5.2%
North Carolina $836 -$616 -42.4%
North Dakota $1,188 -$264 -18.2%
Ohio $1,000 -$452 -31.1%
Oklahoma $1,488 $36 2.5%
Oregon $1,328 -$124 -8.5%
Pennsylvania $1,382 -$70 -4.8%
Rhode Island $1,936 $484 33.3%
South Carolina $1,314 -$138 -9.5%
South Dakota $1,226 -$226 -15.6%
Tennessee $1,270 -$182 -12.5%
Texas $1,748 $296 20.4%
Utah $1,072 -$380 -26.2%
Vermont $994 -$458 -31.5%
Virginia $868 -$584 -40.2%
Washington $1,118 -$334 -23.0%
West Virginia $1,330 -$122 -8.4%
Wisconsin $1,004 -$448 -30.9%
Wyoming $1,292 -$160 -11.0%

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 $1,296 $108
Toyota Tundra SR/5 Double Cab 2WD $1,340 $112
Toyota Tundra SR/5 Crew Max 2WD $1,426 $119
Toyota Tundra Regular Cab 4WD $1,378 $115
Toyota Tundra Double Cab 4WD $1,422 $119
Toyota Tundra Limited Double Cab 2WD $1,510 $126
Toyota Tundra SR/5 Double Cab 4WD $1,422 $119
Toyota Tundra Limited Crew MAX 2WD $1,552 $129
Toyota Tundra Limited Crew MAX 4WD $1,592 $133
Toyota Tundra SR/5 Crew Max 4WD $1,592 $133

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 $320 $512 $440 $1,452
2019 Toyota Tundra $306 $506 $450 $1,442
2018 Toyota Tundra $296 $494 $470 $1,440
2017 Toyota Tundra $286 $474 $486 $1,426
2016 Toyota Tundra $270 $458 $500 $1,408
2015 Toyota Tundra $260 $424 $510 $1,374
2014 Toyota Tundra $250 $400 $514 $1,344
2013 Toyota Tundra $240 $358 $520 $1,298
2012 Toyota Tundra $224 $330 $520 $1,254
2011 Toyota Tundra $216 $310 $524 $1,230
2010 Toyota Tundra $210 $288 $534 $1,212
2009 Toyota Tundra $194 $268 $534 $1,176
2008 Toyota Tundra $190 $244 $540 $1,154
2007 Toyota Tundra $176 $222 $534 $1,112
2006 Toyota Tundra $166 $202 $534 $1,082
2005 Toyota Tundra $162 $182 $530 $1,054
2004 Toyota Tundra $158 $178 $520 $1,036
2003 Toyota Tundra $156 $168 $510 $1,014
2002 Toyota Tundra $142 $160 $504 $986
2001 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 $480 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 $451 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 $5,408
20 $3,316
30 $1,510
40 $1,452
50 $1,324
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tundra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,814
$250 $1,648
$500 $1,452
$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 $1,452
50/100 $1,680
100/300 $1,790
250/500 $2,076
100 CSL $1,724
300 CSL $1,966
500 CSL $2,142

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tundra Insurance Rates for High Risk Drivers
Age Premium
16 $7,698
20 $5,268
30 $3,180
40 $3,114
50 $2,970
60 $2,942

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 $103
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $69
Online Quote $102
Total Discounts $602
Rate after discounts $850

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

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