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 rates for a Toyota Tundra are $1,442 a year for full coverage insurance. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability is estimated at $450. Buying just liability costs approximately $518 a year, with insurance for high-risk drivers costing $3,106 or more. Teenage drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

The ranges above illustrate why it is important to get quotes based on a specific location, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save around $1,260 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,442
• Using low $100 deductibles for comp and collision coverage will cost an additional $358 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,106 or more
• The price that insures a teen driver may cost $5,420 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,400 a year. View Rates by Age

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 $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $540 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $405 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices 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 Find Low Cost Toyota Tundra Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were touched on in the above illustrations.

• Teens pay higher prices, as much as $452 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,660 more each year for Tundra insurance
• Increasing physical damage deductibles can save approximately $550 each year
• It is possible to save as much as $170 per year simply by quoting early and online

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.