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 insurance prices for a Toyota Tundra are $1,440 every 12 months for full coverage. Comprehensive insurance costs approximately $296 each year, collision costs $494, and liability coverage costs around $470. Buying just liability costs as low as $536 a year, with insurance for high-risk drivers costing $3,106 or more. Teens receive the highest rates at $5,448 a year or more.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

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

These examples show why all drivers should compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $841
• Using higher $1,000 deductibles will save $178 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,440
• Selecting low deductibles for physical damage coverage costs an extra $348 each year
• Higher-risk drivers with serious driving violations could pay around $3,106 or more
• The cost to insure a teenage driver can cost $5,448 or more

View Chart as Image

Auto insurance rates for a Toyota Tundra can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Tundra.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and quoted rates can be significantly different.

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 Shop for Affordable Toyota Tundra Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the information touched on in the above illustrations.

• Drivers can save around $170 per year simply by quoting online in advance
• Teens have the highest car insurance rates, costing as high as $454 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $525 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,670 more per year for Tundra insurance
• Consumers who purchase higher liability limits will pay approximately $520 each year to increase from a minimum limit to a 250/500 level

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.