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 prices for a Toyota Tundra are $1,442 every 12 months with full coverage. Comprehensive costs on average $306 a year, collision costs $506, and liability costs $450. Liability-only insurance costs as little as $518 a year, with high-risk driver insurance costing around $3,106. 16-year-old drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

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

The ranges above demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $843
• Drivers who choose higher $1,000 deductibles will pay around $1,260 annually
• The average price for the average middle-age driver with $500 deductibles is $1,442
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,800
• Drivers with multiple tickets or accidents could pay upwards of $3,106 or more
• The price to insure a 16-year-old driver may cost $5,420 a year

View Chart as Image

Car insurance prices for a Toyota Tundra are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Tundra.

Opting for high physical damage deductibles could save up to $540 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 131% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver 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

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes may be quite different.

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 Cheaper Toyota Tundra Insurance

Getting lower rates on insurance for a Toyota Tundra not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,660 more each year to insure their Tundra
• You may be able to save as much as $170 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $550 each year
• Insureds who require more liability coverage will pay around $500 every year to go from a low limit to a 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.