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 $1,442 a year for full coverage insurance. Comprehensive insurance costs around $306 a year, collision costs $506, and liability coverage is estimated at $450. A liability-only policy costs approximately $518 a year, with high-risk insurance costing $3,106 or more. Teens pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences illustrate why it is important to get quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $843
• Choosing higher $1,000 deductibles can save about $1,260 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,442
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $358 each year
• Drivers with serious driving violations could pay at least $3,106 or more
• An auto insurance policy for full coverage for a teenage driver can be $5,420 each year

View Chart as Image

Auto insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and quoted prices will be substantially different 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 Low Cost Toyota Tundra Insurance

Finding better rates on auto insurance takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the information raised in the charts and tables above.

• It is possible to save up to $170 per year simply by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $452 per month if they have full coverage
• Increasing policy deductibles can save around $550 each year
• Drivers who have several accidents or serious violations may pay on average $1,660 more every year than a driver with a clean driving record
• Consumers who may need additional liability coverage will pay approximately $500 annually to raise limits from 30/60 bodily injury limits 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.