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.

Average auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage. Comprehensive insurance costs approximately $306 a year, collision insurance costs $506, and liability coverage costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs $3,106 or more. Teen drivers receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These examples show why it is important to compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $843
• Drivers who choose higher $1,000 deductibles will pay $1,260 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,442
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $358 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,106
• The cost with full coverage for a teenage driver can cost $5,420 a year

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Auto insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,060 on average in New York, Louisiana, and Michigan.

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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 Buy the Cheapest Toyota Tundra Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below is a recap of the car insurance concepts touched on in this article.

• Drivers that have major violations or accidents pay on average $1,660 more per year for auto insurance
• Drivers can save around $170 per year just by quoting early and online
• Increasing deductibles could save up to $550 each year
• Consumers who purchase higher levels of liability will pay about $500 each year to go from a minimum limit to higher 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.