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 insurance rates for a Toyota Tundra are $1,440 a year with full coverage. Comprehensive costs around $296 each year, collision costs $494, and liability coverage is estimated at $470. Buying just liability costs approximately $536 a year, with insurance for high-risk drivers costing around $3,106. Teen drivers receive the highest rates at $5,448 a year or more.

Average premium for full coverage: $1,440

Rate estimates for individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why all drivers should get quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $841
• Choosing higher $1,000 deductibles can save about $178 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,440
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,788
• Drivers with multiple violations and an at-fault accident could pay at least $3,106 or more
• The cost for full coverage for a teenage driver can be $5,448 each year

View Chart as Image

Auto insurance rates for a Toyota Tundra can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $530 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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 the Cheapest Toyota Tundra Insurance

Saving money on auto insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a recap of the car insurance concepts covered above.

• Drivers that have major violations or accidents pay an average of $1,670 more every year than a safer driver
• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing deductibles can save around $525 each year
• Consumers who may need an increased level of liability coverage will pay about $520 every year to raise limits from a minimum limit to 250/500 limits

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.