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 $1,442 a year including full coverage. Comprehensive insurance costs an estimated $306, collision costs $506, and liability coverage is estimated at $450. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing $3,106 or more. Teens pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split 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

Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should get quotes for a targeted area, rather than 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 other coverage scenarios.

• The cheapest rate after discounts is $843
• Choosing higher $1,000 deductibles can save approximately $182 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,442
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $358 each year
• Drivers with serious driving violations could pay up to $3,106 or more
• The price that insures a teenage driver for full coverage can cost as much as $5,420 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. Toyota Tundra insurance for high-risk drivers ranges around 42% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $405 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, so the 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 More Affordable Toyota Tundra Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the car insurance concepts touched on in the above illustrations.

• Drivers who have multiple accidents or major violations could be charged and average of $1,660 more annually than a low-risk driver
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $550 each year
• Consumers who want more liability protection will pay approximately $500 per year to raise limits from a low limit to the 250/500 level

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.