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 auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage insurance. Comprehensive costs around $306, collision insurance costs $506, and liability costs around $450. A liability-only policy costs as low as $518 a year, and high-risk insurance costs around $3,106. Teens cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates for type of insurance:

These estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $843
• Using higher $1,000 deductibles will save about $182 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,442
• Selecting more expensive low deductibles for physical damage coverage will cost $1,800
• High-risk insureds with serious driving violations could pay at least $3,106
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,420 or more

View Chart as Image

Car insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be from 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

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 Buy Cheap Toyota Tundra Insurance

Finding cheaper rates on insurance for a Toyota Tundra requires not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the data touched on in this article.

• Insureds who may need higher liability limits will pay approximately $500 annually to increase from a 30/60 limit to higher 250/500 limits
• It is possible to save up to $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Teens are the costliest to insure, possibly costing $452 each month if comprehensive and collision insurance is included

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.