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 auto insurance rates for a Toyota Tundra are $1,440 annually including full coverage. Comprehensive insurance costs an estimated $296, collision costs $494, and liability costs $470. Buying just liability costs as little as $536 a year, with insurance for high-risk drivers costing $3,106 or more. Teenage drivers cost the most to insure at $5,448 a year or more.

Average premium for full coverage: $1,440

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Toyota Tundra insurance rates for other coverage scenarios.

• The best discount rate is $841
• Drivers who choose higher $1,000 deductibles will pay approximately $178 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,440
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $348 annually
• Drivers who are prone to accidents and violations could pay up to $3,106 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,448 a year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,400 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $530 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied between companies.

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 Cheaper Toyota Tundra Insurance

Finding cheaper rates on insurance for a Toyota Tundra not only requires having a decent driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the material that was covered in the charts and tables above.

• Insureds who want additional liability coverage will pay an extra $520 per year to go from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $454 each month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,670 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $525 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.