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 with full coverage. Comprehensive costs around $296, collision costs $494, and liability insurance is estimated at $470. Liability-only insurance costs approximately $536 a year, with high-risk driver insurance costing around $3,106. Teenage drivers pay the most at $5,448 a year or more.

Average premium for full coverage: $1,440

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities.

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

These rate differences demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $841
• Choosing higher $1,000 deductibles can save about $178 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,440
• Using pricier low deductibles for comp and collision coverage will cost $1,788
• High-risk insureds who are prone to accidents and violations could pay at least $3,106 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $5,448 each year

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually 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 as much as $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,700 to $2,400 additional annually, depending on your age. Toyota Tundra insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $530 each year, whereas buying more liability protection will increase prices. Moving 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 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 be forced to pay as much as $1,940 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially 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 Best Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance takes being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The items below are a brief recap of the data that was covered above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Drivers who may need more liability coverage will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are charged the highest prices, possibly costing $454 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,670 more every year to insure their 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.