Toyota Tundra Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,374 a year with full coverage. Comprehensive costs approximately $260 a year, collision costs $424, and liability costs $510. Buying just liability costs as little as $568 a year, with insurance for high-risk drivers costing around $2,966. Teens receive the highest rates at $5,308 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Tundra trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $568 for a discount liability-only rate to a high of $2,966 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts auto insurance prices.
These examples demonstrate why it is important to compare rates using their specific location and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Toyota Tundra insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $807
- Drivers who choose higher $1,000 deductibles will pay $1,220 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,374
- Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,674
- Higher-risk drivers with serious driving violations could pay around $2,966 or more
- The cost for full coverage for a teen driver can cost $5,308 a year
Auto insurance rates for a Toyota Tundra can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,240 | -$134 | -9.8% |
Alaska | $1,054 | -$320 | -23.3% |
Arizona | $1,142 | -$232 | -16.9% |
Arkansas | $1,374 | -$0 | 0.0% |
California | $1,566 | $192 | 14.0% |
Colorado | $1,310 | -$64 | -4.7% |
Connecticut | $1,412 | $38 | 2.8% |
Delaware | $1,554 | $180 | 13.1% |
Florida | $1,718 | $344 | 25.0% |
Georgia | $1,268 | -$106 | -7.7% |
Hawaii | $984 | -$390 | -28.4% |
Idaho | $932 | -$442 | -32.2% |
Illinois | $1,022 | -$352 | -25.6% |
Indiana | $1,036 | -$338 | -24.6% |
Iowa | $926 | -$448 | -32.6% |
Kansas | $1,304 | -$70 | -5.1% |
Kentucky | $1,874 | $500 | 36.4% |
Louisiana | $2,032 | $658 | 47.9% |
Maine | $848 | -$526 | -38.3% |
Maryland | $1,132 | -$242 | -17.6% |
Massachusetts | $1,098 | -$276 | -20.1% |
Michigan | $2,386 | $1,012 | 73.7% |
Minnesota | $1,150 | -$224 | -16.3% |
Mississippi | $1,646 | $272 | 19.8% |
Missouri | $1,216 | -$158 | -11.5% |
Montana | $1,476 | $102 | 7.4% |
Nebraska | $1,082 | -$292 | -21.3% |
Nevada | $1,650 | $276 | 20.1% |
New Hampshire | $992 | -$382 | -27.8% |
New Jersey | $1,536 | $162 | 11.8% |
New Mexico | $1,216 | -$158 | -11.5% |
New York | $1,446 | $72 | 5.2% |
North Carolina | $792 | -$582 | -42.4% |
North Dakota | $1,126 | -$248 | -18.0% |
Ohio | $948 | -$426 | -31.0% |
Oklahoma | $1,410 | $36 | 2.6% |
Oregon | $1,258 | -$116 | -8.4% |
Pennsylvania | $1,308 | -$66 | -4.8% |
Rhode Island | $1,832 | $458 | 33.3% |
South Carolina | $1,246 | -$128 | -9.3% |
South Dakota | $1,160 | -$214 | -15.6% |
Tennessee | $1,202 | -$172 | -12.5% |
Texas | $1,656 | $282 | 20.5% |
Utah | $1,016 | -$358 | -26.1% |
Vermont | $940 | -$434 | -31.6% |
Virginia | $822 | -$552 | -40.2% |
Washington | $1,060 | -$314 | -22.9% |
West Virginia | $1,260 | -$114 | -8.3% |
Wisconsin | $950 | -$424 | -30.9% |
Wyoming | $1,224 | -$150 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $460 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Tundra Regular Cab 2WD | $1,246 | $104 |
Toyota Tundra SR/5 Double Cab 2WD | $1,282 | $107 |
Toyota Tundra SR/5 Crew Max 2WD | $1,352 | $113 |
Toyota Tundra Regular Cab 4WD | $1,314 | $110 |
Toyota Tundra Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Double Cab 2WD | $1,424 | $119 |
Toyota Tundra SR/5 Double Cab 4WD | $1,350 | $113 |
Toyota Tundra Limited Crew MAX 2WD | $1,460 | $122 |
Toyota Tundra Limited Crew MAX 4WD | $1,492 | $124 |
Toyota Tundra SR/5 Crew Max 4WD | $1,492 | $124 |
Rates assume 2018 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Toyota Tundra | $260 | $424 | $510 | $1,374 |
2016 Toyota Tundra | $240 | $358 | $520 | $1,298 |
2013 Toyota Tundra | $210 | $288 | $534 | $1,212 |
2012 Toyota Tundra | $194 | $268 | $534 | $1,176 |
2011 Toyota Tundra | $190 | $244 | $540 | $1,154 |
2010 Toyota Tundra | $176 | $222 | $534 | $1,112 |
2008 Toyota Tundra | $162 | $182 | $530 | $1,054 |
2007 Toyota Tundra | $158 | $178 | $520 | $1,036 |
2006 Toyota Tundra | $156 | $168 | $510 | $1,014 |
2005 Toyota Tundra | $142 | $160 | $504 | $986 |
2004 Toyota Tundra | $138 | $152 | $500 | $970 |
Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Toyota Tundra Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The following is a summary of the concepts that were touched on above.
- Higher risk drivers who have multiple accidents or major violations pay on average $1,590 more per year for Tundra insurance
- Teens have the highest car insurance rates, with premiums as much as $442 per month if they have full coverage
- You may be able to save around $160 per year simply by quoting early and online
- Increasing deductibles can save around $450 each year
- You may be able to save around $160 per year simply by quoting early and online
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,308 |
20 | $3,158 |
30 | $1,418 |
40 | $1,374 |
50 | $1,258 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,674 |
$250 | $1,536 |
$500 | $1,374 |
$1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,374 |
50/100 | $1,594 |
100/300 | $1,722 |
250/500 | $2,053 |
100 CSL | $1,645 |
300 CSL | $1,926 |
500 CSL | $2,130 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,534 |
20 | $5,030 |
30 | $3,012 |
40 | $2,966 |
50 | $2,834 |
60 | $2,808 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $72 |
Multi-vehicle | $73 |
Homeowner | $22 |
5-yr Accident Free | $94 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $57 |
Advance Quote | $65 |
Online Quote | $96 |
Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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