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 $1,442 a year including full coverage. Comprehensive costs on average $306, collision costs $506, and liability costs around $450. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing around $3,106. 16-year-old drivers cost the most to insure at $5,420 a year or more.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save around $182 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,442
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,800
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,106 or more
• Policy cost that insures a 16-year-old driver for full coverage may cost $5,420 or more

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the model of your Tundra, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers can be from 42% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.

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 the Cheapest Toyota Tundra Insurance

Finding cheaper rates on insurance for a Toyota Tundra requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a recap of the material that was touched on above.

• Insureds who require additional liability coverage will pay around $500 per year to increase from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers pay the highest rates, with premiums being up to $452 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,660 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $550 each year

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.