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 auto insurance rates for a Toyota Tundra are $1,440 annually for full coverage insurance. Comprehensive costs on average $296, collision insurance costs $494, and liability is $470. A policy with just liability insurance costs around $536 a year, and coverage for high-risk drivers costs around $3,106. Teenage drivers receive the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

More Rate Details

The chart below illustrates 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 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,440
• Using more expensive low deductibles will cost $1,788
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,106
• The cost with full coverage for a teen driver with full coverage may cost $5,448

View Chart as Image

Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, 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 like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $530 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,940 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 Affordable Toyota Tundra Insurance

Saving money on car insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief review of the concepts that were touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,670 more each year for Tundra insurance
• Teens pay higher rates, costing up to $454 per month if they have full coverage
• It is possible to save as much as $170 per year just by shopping early and online
• Increasing deductibles could save up to $525 each year
• It is possible to save as much as $170 per year just by shopping early and online

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.