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 rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive insurance costs an estimated $306 each year, collision costs $506, and liability is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $3,106 or more. 16-year-old drivers cost the most to insure at $5,420 a year or more.

Average premium for full coverage: $1,442

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and risk profile, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Toyota Tundra insurance rates for other coverage scenarios.

• The best full coverage rate is $843
• Raising to $1,000 deductibles will save approximately $182 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,442
• Buying low deductibles will cost an extra $358 every year
• At-risk drivers with multiple tickets or accidents could pay up to $3,106 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,420

View Chart as Image

Auto insurance rates for a Toyota Tundra also range considerably based on your risk profile, the trim level of your Tundra, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Your home state also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,060 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 the Right Toyota Tundra Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick rundown of the data covered in the above illustrations.

• Policyholders who want more liability coverage will pay around $500 each year to raise from a 30/60 limit to 250/500 limits
• Drivers can save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teen drivers are the costliest to insure, costing up to $452 each month if they have full coverage

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.