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 prices for a Toyota Tundra are $1,442 every 12 months for full coverage insurance. Comprehensive costs on average $306, collision insurance costs $506, and liability costs around $450. Liability-only insurance costs as low as $518 a year, and high-risk driver insurance costs around $3,106. 16-year-old drivers cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below illustrates average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save around $182 each year
• The average price for a good driver age 40 with $500 deductibles is $1,442
• Buying pricier low deductibles for physical damage coverage increases the price to $1,800
• Drivers with multiple tickets or accidents could pay upwards of $3,106
• Policy cost to insure a teen driver for full coverage may cost $5,420 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $540 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Toyota Tundra insurance for high-risk drivers can be as much as 42% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

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 Low Cost Toyota Tundra Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

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

• Policyholders who require higher liability limits will pay around $500 annually to increase from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, possibly costing $452 each month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,660 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $550 each year

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.