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.

The average insurance prices for a Toyota Tundra are $1,442 every 12 months including full coverage. Comprehensive costs around $306 a year, collision insurance costs $506, and liability costs around $450. A liability-only policy costs as low as $518 a year, and high-risk insurance costs around $3,106. Teens cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $843
• Using higher $1,000 deductibles will save about $1,260 every year
• The average price for a good driver age 40 using $500 deductibles is $1,442
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,800
• Drivers with serious driving violations could pay at least $3,106
• Policy cost to insure a teen driver can be $5,420 or more

View Chart as Image

Car insurance rates for a Toyota Tundra also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,060 on average in Michigan, New York, and Louisiana.

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 the Best Cheap Toyota Tundra Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick review of the data that was presented in the illustrations above.

• You may be able to save up to $170 per year just by quoting early and online
• Policyholders who may need additional liability coverage will pay approximately $500 per year to increase from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $452 each month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,660 more every year than a driver with a clean driving record

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.