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.

The average insurance rates for a Toyota Tundra are $1,440 a year with full coverage. Comprehensive costs an estimated $296, collision insurance costs $494, and liability insurance is $470. Liability-only insurance costs around $536 a year, and high-risk driver insurance costs around $3,106. Teens cost the most to insure at up to $5,448 a year.

Average premium for full coverage: $1,440

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how where you live affects insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details average Toyota Tundra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $841
• Raising to $1,000 deductibles will save approximately $178 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,440
• Selecting pricier low deductibles bumps up the cost to $1,788
• Higher-risk drivers with serious driving violations could pay up to $3,106
• Policy cost that insures a teen driver for full coverage can cost as much as $5,448

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Auto insurance rates for a Toyota Tundra also range considerably based on the model of your Tundra, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,400 in extra premium every year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

Your home state also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,940 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 extra every year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on Toyota Tundra insurance consists of being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief review of the information touched on in the above illustrations.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Youthful drivers are the costliest to insure, as much as $454 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,670 more annually than a low-risk driver
• Drivers who want more liability protection will pay approximately $520 every year to raise from a 30/60 limit to the 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.