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 for full coverage. Comprehensive insurance costs approximately $306, collision costs $506, and liability is estimated at $450. Liability-only insurance costs approximately $518 a year, with high-risk driver insurance costing $3,106 or more. Teen drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $843
• Choosing higher $1,000 deductibles can save $182 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,442
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $358 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,106 or more
• The price to insure a teen driver with full coverage can cost $5,420 each year

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Car insurance prices for a Toyota Tundra are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Tundra.

Choosing high deductibles can save as much as $540 every year, while increasing your policy's liability limits will push prices upward. Going 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

An older driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges as much as 42% to 131% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 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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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, 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 More Affordable Toyota Tundra Insurance

Getting lower rates on car insurance takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the information raised in the charts and tables above.

• Drivers can save around $170 per year simply by shopping early and online
• 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $452 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,660 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay about $500 each year to raise limits 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.