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.

The average insurance rates for a Toyota Tundra are $1,440 a year including full coverage. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability costs around $470. Liability-only insurance costs as low as $536 a year, and high-risk driver insurance costs $3,106 or more. 16-year-old drivers cost the most to insure at up to $5,448 a year.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $841
• Using higher $1,000 deductibles will save $178 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,440
• Buying more expensive low deductibles for physical damage coverage will cost an additional $348 every year
• Drivers with multiple tickets or accidents could pay around $3,106
• Policy cost that insures a teen driver with full coverage can cost $5,448 or more

View Chart as Image

Auto insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $530 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 extra every year. View Rates by Deductible or Liability Limit

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 Cheaper Toyota Tundra Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a condensed summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with multiple at-fault accidents will likely pay on average $1,670 more per year to insure their Tundra
• You may be able to save around $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Policyholders who purchase more liability coverage will pay around $520 per year to increase from a 30/60 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.