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 $1,440 every 12 months for full coverage. Comprehensive insurance costs an estimated $296 a year, collision insurance costs $494, and liability coverage costs around $470. Buying just liability costs as low as $536 a year, and insurance for high-risk drivers costs $3,106 or more. Teen drivers pay the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The ranges above show why it is important to compare prices for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Details

The chart below shows average Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $841
• Using higher $1,000 deductibles will save approximately $1,262 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,440
• Choosing low $100 deductibles for physical damage coverage costs an extra $348 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,106
• The price to insure a teenage driver can cost as much as $5,448 or more

View Chart as Image

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

Choosing high deductibles could cut prices by as much as $530 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than average. 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 $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Low Cost Toyota Tundra Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the car insurance concepts presented in the illustrations above.

• Drivers who have several accidents or serious violations pay on average $1,670 more annually to insure a Toyota Tundra
• Drivers can save approximately $170 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• Consumers who want increased liability limits will pay about $520 each year 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.