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.

Estimated auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage insurance. Comprehensive insurance costs on average $306 a year, collision costs $506, and liability is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing $3,106 or more. 16-year-old drivers pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $843
• Raising to $1,000 deductibles will save around $1,260 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,442
• Buying low $100 deductibles costs an additional $358 annually
• Drivers with multiple tickets or accidents could pay upwards of $3,106 or more
• An auto insurance policy with full coverage for a 16-year-old driver may cost $5,420

View Chart as Image

Auto insurance prices for a Toyota Tundra also have a wide range based on the model of your Tundra, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $540 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different between companies.

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 Right Toyota Tundra Insurance

Finding better rates on insurance for a Toyota Tundra consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at least once a year by quoting rates from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the primary concepts that were presented in the illustrations above.

• It is possible to save as much as $170 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,660 more each year than a low-risk driver
• Increasing policy deductibles could save up to $550 each year
• Youthful drivers are charged the highest prices, with premiums being up to $452 per month if full coverage is included

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.