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 auto insurance rates for a Toyota Tundra are $1,440 annually for full coverage insurance. Comprehensive insurance costs an estimated $296 a year, collision costs $494, and liability costs $470. A policy with just liability insurance costs as little as $536 a year, with coverage for high-risk drivers costing $3,106 or more. Teen drivers receive the highest rates at $5,448 a year or more.

Average premium for full coverage: $1,440

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

These examples illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below illustrates estimated Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $841
• Drivers who choose higher $1,000 deductibles will pay approximately $1,262 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,440
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $348 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,106 or more
• The cost with full coverage for a 16-year-old driver can cost as much as $5,448 a year

View Chart as Image

Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,700 to $2,400 additional 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

Choosing high deductibles could save up to $530 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,940 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, and rates can be significantly different between companies.

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 Buy the Cheapest Toyota Tundra Insurance

Saving money on insurance for a Toyota Tundra not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a recap of the coverage data illustrated above.

• It is possible to save approximately $170 per year simply by quoting early and online
• Increasing deductibles could save up to $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $454 per month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,670 more annually to insure a Toyota Tundra

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.