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 $1,440 every 12 months with full coverage. Comprehensive insurance costs around $296 a year, collision insurance costs $494, and liability is $470. Buying just liability costs around $536 a year, and insurance for high-risk drivers costs $3,106 or more. Teens cost the most to insure at up to $5,448 a year.

Average premium for full coverage: $1,440

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $841
• Raising to $1,000 deductibles will save about $1,262 annually
• The average price for a good driver age 40 using $500 deductibles is $1,440
• Selecting low $100 deductibles costs an extra $348 every year
• At-risk drivers with serious driving violations could pay at least $3,106
• Policy cost to insure a teen driver can be $5,448

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $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 may be forking out at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,940 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 Cheaper Toyota Tundra Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following items are a condensed summary of the data covered above.

• Policyholders who may need additional liability coverage will pay approximately $520 every year to raise from a 30/60 limit to a 250/500 level
• You may be able to save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• 16 to 18-year-old drivers pay higher rates, as much as $454 each month if they have full coverage

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.