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 including full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $506, and liability costs around $450. Liability-only insurance costs as low as $518 a year, and high-risk driver insurance costs $3,106 or more. Teen drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $843
• Using higher $1,000 deductibles will save $182 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,442
• Choosing low deductibles for physical damage coverage costs an extra $358 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,106
• An auto insurance policy to insure a 16-year-old driver can cost $5,420 or more

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Tundra.

Choosing high deductibles could cut prices by as much as $540 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $405 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 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers can be from 42% to 131% more than average. 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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheaper Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra requires being a good driver, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the ideas that were touched on above.

• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $452 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,660 more per year than a safer driver
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save around $170 per year just 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.