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 rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability costs $450. A liability-only policy costs as little as $518 a year, and high-risk insurance costs $3,106 or more. Teenage 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:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

These examples show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using average rates.

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

More Rate Details

The chart below shows average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best discount rate is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,442
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $358 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,106
• The cost for full coverage for a teen driver with full coverage may cost $5,420 a year

View Chart as Image

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

An older driver with a clean 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 can expect to pay upwards of $5,400 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 $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,060 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $405 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost as much as 42% to 131% 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 Affordable Toyota Tundra Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Take the time to comparison shop at least every other year by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions will pay on average $1,660 more each year to insure a Toyota Tundra
• Drivers can save as much as $170 per year just by shopping early and online
• Increasing deductibles can save around $550 each year
• Policyholders who require increased liability limits will pay an extra $500 each year to go from a minimum limit to 250/500 limits

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.