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 insurance costs on average $296, collision costs $494, and liability is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing $3,106 or more. Teens cost the most to insure at $5,448 a year or more.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $841
• Choosing higher $1,000 deductibles can save around $178 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,440
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $348 every year
• Unlucky drivers with serious driving violations could pay upwards of $3,106 or more
• Policy cost that insures a teen driver for full coverage may cost $5,448 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Cheap Toyota Tundra Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a brief summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,670 more each year to insure a Toyota Tundra
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Policyholders who require increased liability limits will pay approximately $520 every year to raise limits 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.