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 prices for a Toyota Tundra are $1,442 every 12 months for full coverage. Comprehensive costs on average $306 each year, collision insurance costs $506, and liability is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $3,106. 16-year-old drivers receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

These examples show why all drivers should get quotes based on a specific location and their own driving history, instead of using rate 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 different risk profiles and scenarios.

• The best full coverage rate is $843
• Choosing higher $1,000 deductibles can save around $182 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,442
• Buying low deductibles for comp and collision coverage increases the price to $1,800
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,106
• The cost to insure a teen driver may cost $5,420 each year

View Chart as Image

Auto insurance rates for a Toyota Tundra can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Tundra.

Opting for high physical damage deductibles can save as much as $540 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $405 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 131% more than the average rate. View High Risk Driver Rates

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 Idaho, Maine, and Iowa, or at least $2,060 on average in Michigan, Louisiana, and New York.

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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

Saving money on car insurance takes not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the coverage data touched on in this article.

• Drivers can save as much as $170 per year just by quoting online in advance
• Increasing deductibles could save as much as $550 each year
• Teens are charged the highest rates, costing as high as $452 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay an average of $1,660 more each 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.