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.

Estimated auto insurance rates for a Toyota Tundra are $1,440 annually including full coverage. Comprehensive insurance costs on average $296, collision insurance costs $494, and liability coverage is $470. Liability-only insurance costs around $536 a year, and high-risk driver insurance costs $3,106 or more. Teenage drivers pay the most at up to $5,448 a year.

Average premium for full coverage: $1,440

Premium estimates by type of coverage:

Estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best discount rate is $841
• Raising to $1,000 deductibles will save around $178 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,440
• Using pricier low deductibles costs an additional $348 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,106
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $5,448

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Insurance prices for a Toyota Tundra also have a wide range based on the model of your Tundra, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 additional annually, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $530 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $423 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find prices as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,050 on average in Michigan, New York, and Louisiana.

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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 Low Cost Toyota Tundra Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every year by getting quotes from direct car insurance companies, and also from several local insurance agents.

The following is a review of the coverage data covered above.

• You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $525 each year
• Teens pay higher prices, with the cost nearing $454 per month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,670 more each year for 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.