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

Average premium for full coverage: $1,440

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated 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 $178 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,440
• Selecting more expensive low deductibles will increase the cost to $1,788
• Unlucky drivers with serious driving violations could pay at least $3,106 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $5,448

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

Your home state also has a big influence on Toyota Tundra insurance rates. 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

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

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates will be varied from one company to the next.

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 the Cheapest Toyota Tundra Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a recap of the car insurance concepts covered above.

• Drivers that have major violations or accidents pay an average of $1,670 more every year to insure a Toyota Tundra
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Consumers who may need increased liability limits will pay approximately $520 every year to raise from a 30/60 limit to 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.