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.

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

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on 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 $1,262 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,440
• Using low $100 deductibles will increase the cost to $1,788
• Drivers who are prone to accidents and violations could pay upwards of $3,106
• The price for full coverage for a 16-year-old driver may cost $5,448

View Chart as Image

Insurance prices for a Toyota Tundra are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices 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

Using high physical damage deductibles can reduce prices by up to $530 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

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 Affordable Toyota Tundra Insurance

Getting lower rates on insurance for a Toyota Tundra consists of having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a brief review of the coverage data touched on in the above illustrations.

• It is possible to save as much as $170 per year just by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• 16 to 18-year-old drivers pay higher prices, as much as $454 a month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,670 more each year than a driver with a clean driving record

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.