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.

U.S. average insurance rates for a Toyota Tundra are $1,442 a year including full coverage. Comprehensive costs an estimated $306, collision insurance costs $506, and liability insurance costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs around $3,106. 16-year-old drivers pay the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on rate averages.

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 other coverage scenarios.

• The best full coverage rate is $843
• Drivers who choose higher $1,000 deductibles will pay approximately $182 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,442
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,800
• High risk drivers with multiple tickets or accidents could pay up to $3,106
• The price that insures a teen driver with full coverage can cost as much as $5,420 a year

View Chart as Image

Auto insurance prices for a Toyota Tundra are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

The state you live in makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $405 extra every year. View Rates by Deductible or Liability Limit

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 Cheaper Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the car insurance concepts illustrated above.

• High-risk drivers with multiple at-fault accidents could be charged and average of $1,660 more annually to insure their Tundra
• You may be able to save approximately $170 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers who want more liability coverage will pay around $500 per year to go from a low limit to the 250/500 level

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.