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 $1,440 every 12 months for full coverage. Comprehensive costs around $296 each year, collision costs $494, and liability is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing around $3,106. 16-year-old drivers pay the most at $5,448 a year or more.

Average premium for full coverage: $1,440

Premium estimates for type of coverage:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $841
• Raising to $1,000 deductibles will save about $178 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,440
• Buying low deductibles increases the price to $1,788
• Drivers with multiple tickets or accidents could pay at least $3,106 or more
• An auto insurance policy to insure a 16-year-old driver can be $5,448

View Chart as Image

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

Opting for high physical damage deductibles can reduce prices by up to $530 annually, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $423 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared 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 could be paying at least $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,050 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially 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 Shop for the Best Cheap Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick review of the ideas that were touched on in the above illustrations.

• Teenage drivers are charged the highest prices, as much as $454 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,670 more every year for auto insurance
• Increasing policy deductibles could save as much as $525 each year
• Drivers can save up to $170 per year simply by quoting online in advance

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.