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.

Average insurance rates for a Toyota Tundra are $1,440 a year including full coverage. Comprehensive costs on average $296 a year, collision costs $494, and liability costs $470. Buying just liability costs as little as $536 a year, with insurance for high-risk drivers costing around $3,106. Teen drivers receive the highest rates at $5,448 a year or more.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $841
• Drivers who choose higher $1,000 deductibles will pay around $1,262 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,440
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,788
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,106 or more
• The cost for full coverage for a 16-year-old driver may cost $5,448 a year

View Chart as Image

Auto insurance rates for a Toyota Tundra can also vary considerably based on your driver profile, the model of your Tundra, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age

Where you 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 Missouri, New Hampshire, and Vermont, or as much as $2,050 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $530 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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 the Best Toyota Tundra Insurance

Saving money on insurance for a Toyota Tundra not only requires being a low-risk driver, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief recap of the information presented in the illustrations above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Teen drivers are charged the highest rates, as much as $454 per month if they have full coverage
• Increasing deductibles can save around $525 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,670 more each year to insure their Tundra
• Insureds who require more liability coverage will pay about $520 per year to go from a minimum limit to 250/500 limits

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.