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 rates for a Toyota Tundra are $1,440 a year for full coverage insurance. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability is estimated at $470. Liability-only coverage costs approximately $536 a year, and high-risk coverage costs $3,106 or more. Teenage drivers pay the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $841
• Choosing higher $1,000 deductibles can save $178 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,440
• Using pricier low deductibles for comp and collision coverage will cost an extra $348 every year
• Unlucky drivers who are prone to accidents and violations could pay around $3,106
• The price for full coverage for a teen driver for full coverage can cost $5,448 each year

View Chart as Image

Auto insurance prices for a Toyota Tundra are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,940 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles can save as much as $530 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. Toyota Tundra insurance for high-risk drivers ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

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 Best Toyota Tundra Insurance

Getting lower rates on car insurance takes having a decent driving record, having good credit, not filing small claims, and possibly higher deductibles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a brief recap of the ideas that were covered above.

• 16 to 18-year-old drivers have the highest car insurance prices, as much as $454 a month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $1,670 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $525 each year
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date

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.