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.

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

Average premium for full coverage: $1,440

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why it is important to get quotes using their specific location and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $841
• Choosing higher $1,000 deductibles can save $1,262 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,440
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,788
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,106
• An auto insurance policy for full coverage for a teen driver can cost $5,448 each year

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $530 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than average. 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 Low Cost Toyota Tundra Insurance

Finding better rates on car insurance takes avoiding accidents and violations, maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the coverage data presented in the illustrations above.

• You may be able to save around $170 per year just by quoting early and online
• Increasing policy deductibles can save around $525 each year
• Teenagers are expensive to insure, possibly costing $454 per month for full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,670 more per year for car 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.