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 prices for a Toyota Tundra are $1,442 every 12 months for full coverage insurance. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs $3,106 or more. 16-year-old drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates how location impacts car insurance rates.

These rate differences illustrate why everyone should compare prices based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save around $182 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,442
• Buying pricier low deductibles for physical damage coverage costs an extra $358 every year
• Drivers with multiple tickets or accidents could pay upwards of $3,106
• An auto insurance policy to insure a teen driver for full coverage may cost $5,420 or more

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Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Tundra.

Opting for high physical damage deductibles could cut prices by as much as $540 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $405 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Toyota Tundra insurance for high-risk drivers can be as much as 42% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

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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 Shop for Low Cost Toyota Tundra Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Spend time shopping around every year by requesting rates from direct insurance companies, and also from several local insurance agents.

Below is a review of the coverage data touched on above.

• It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• Teenage drivers pay the highest prices, with premiums being up to $452 per month if they have full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,660 more each year for auto insurance

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.