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 $1,440 a year including full coverage. Comprehensive costs on average $296, collision costs $494, and liability is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,106. Teens pay the highest rates at $5,448 a year or more.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why everyone should compare rates quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $841
• Raising to $1,000 deductibles will save around $178 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,440
• Selecting pricier low deductibles bumps up the cost to $1,788
• At-risk drivers with serious driving violations could pay upwards of $3,106 or more
• The price that insures a teen driver for full coverage may cost $5,448

View Chart as Image

Auto insurance prices for a Toyota Tundra are also quite variable based on the model of your Tundra, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Toyota Tundra insurance prices. 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 $2,050 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $530 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $423 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices may be quite different.

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

Getting lower rates on car insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the material that was covered above.

• Policyholders who require more liability protection will pay approximately $520 per year to raise from a low limit to the 250/500 level
• Youthful drivers are charged the highest prices, possibly costing $454 a month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,670 more each year than a low-risk driver
• Increasing physical damage deductibles can save approximately $525 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.