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 $1,442 a year including full coverage. Comprehensive insurance costs approximately $306 each year, collision costs $506, and liability insurance is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing $3,106 or more. Teenage drivers cost the most to insure at $5,420 a year or more.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save $182 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,442
• Using low deductibles for comp and collision coverage will cost an extra $358 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,106 or more
• Policy cost for full coverage for a teen driver can cost $5,420 each year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on your risk profile, the model of your Tundra, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $405 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied 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 Cheaper Toyota Tundra Insurance

Finding cheaper rates on Toyota Tundra insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the data that was touched on in the above illustrations.

• You may be able to save around $170 per year simply by quoting online in advance
• Drivers who purchase increased levels of liability coverage will pay an extra $500 per year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $452 each month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,660 more per year to buy Toyota Tundra insurance

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.