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.

Average insurance rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive costs approximately $306 a year, collision costs $506, and liability is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing around $3,106. Teenage drivers receive the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

These examples show why it is important to get quotes using their specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below shows estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save $1,260 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,442
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,800
• Unlucky drivers who are prone to accidents and violations could pay around $3,106 or more
• The cost that insures a teen driver can cost $5,420 each year

View Chart as Image

Car insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,060 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $540 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.

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

Saving money on car insurance takes not taking risks behind the wheel, having a positive credit history, eliminating unneeded coverage, and avoiding coverage lapses. Compare prices every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a recap of the coverage data touched on in the above illustrations.

• Drivers can save around $170 per year simply by quoting early and online
• Increasing deductibles can save approximately $550 each year
• Teens pay the highest auto insurance rates, costing as high as $452 per month if full coverage is purchased
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,660 more per year for Tundra insurance

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.