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 with full coverage. Comprehensive insurance costs on average $306 each year, collision costs $506, and liability coverage is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage 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 by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location, rather than using rate averages.

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

More Rate Information

The chart below details estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $843
• Choosing higher $1,000 deductibles can save around $182 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,442
• Buying low deductibles for comp and collision coverage will cost an additional $358 each year
• Drivers with multiple tickets or accidents could pay upwards of $3,106 or more
• Policy cost that insures a teenage driver may cost $5,420 each year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,950 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.

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 More Affordable Toyota Tundra Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop at every other renewal by quoting rates from direct companies, and also from several local insurance agents.

The list below is a summary of the concepts that were illustrated above.

• Drivers who have multiple accidents or major violations pay on average $1,660 more each year for car insurance
• Teenagers pay higher rates, as much as $452 each month if comprehensive and collision insurance is included
• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• You may be able to save as much as $170 per year simply by quoting online in advance

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.