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 including full coverage. Comprehensive costs an estimated $296, collision costs $494, and liability is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,106. 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:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $841
• Raising to $1,000 deductibles will save approximately $178 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,440
• Using more expensive low deductibles will increase the cost to $1,788
• Drivers who are prone to accidents and violations could pay up to $3,106 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,448

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on your risk profile, the model of your Tundra, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Your home state also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates 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

Using high physical damage deductibles can reduce rates by up to $530 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $423 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

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

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 insurance for a Toyota Tundra consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief summary of the material that was covered above.

• Insureds who want more liability coverage will pay an extra $520 per year to raise from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $454 each month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,670 more annually to insure their Tundra
• Increasing comprehensive and collision deductibles can save around $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.