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 prices for a Toyota Tundra are $1,442 every 12 months with full coverage. Comprehensive costs around $306, collision insurance costs $506, and liability is estimated at $450. A policy with only liability insurance costs approximately $518 a year, and a high-risk policy costs around $3,106. Teenage drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save about $182 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,442
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,800
• Unlucky drivers who are prone to accidents and violations could pay at least $3,106
• An auto insurance policy to insure a teen driver with full coverage can be $5,420 each year

View Chart as Image

Car insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $540 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,950 on average in Florida, Michigan, and New York.

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 Cheapest Toyota Tundra Insurance

Finding better rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates once a year by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a recap of the data that was covered in the charts and tables above.

• You may be able to save up to $170 per year just by shopping early and online
• Policyholders who may need higher liability limits will pay an extra $500 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teenagers are the costliest to insure, possibly costing $452 per month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents pay on average $1,660 more every year for car insurance

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.