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.

U.S. average insurance prices for a Toyota Tundra are $1,442 every 12 months for full coverage insurance. Comprehensive costs around $306 a year, collision costs $506, and liability insurance costs around $450. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing around $3,106. Teenage drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates for individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $843
• Using higher $1,000 deductibles will save about $1,260 each year
• The average price for the average middle-age driver using $500 deductibles is $1,442
• Using low $100 deductibles for physical damage coverage increases the price to $1,800
• Drivers who are prone to accidents and violations could pay at least $3,106 or more
• The price to insure a teen driver can be $5,420 or more

View Chart as Image

Auto insurance prices for a Toyota Tundra are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $405 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite 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 Shop for Affordable Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,660 more every year for auto insurance
• It is possible to save up to $170 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers who may need higher levels of liability will pay an extra $500 annually to increase from a low limit to a 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.