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 $1,440 a year for full coverage. Comprehensive insurance costs approximately $296, collision insurance costs $494, and liability insurance costs $470. Liability-only insurance costs as little as $536 a year, and high-risk driver insurance costs $3,106 or more. Teens pay the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why everyone should compare rates using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $841
• Drivers who choose higher $1,000 deductibles will pay $178 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,440
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $348 a year
• High risk drivers with serious driving violations could pay around $3,106
• The price for full coverage for a teen driver for full coverage can cost $5,448 a year

View Chart as Image

Car insurance prices for a Toyota Tundra are also quite variable based on your driving record, the trim level of your Tundra, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $530 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,400 extra each year, depending on your age. Toyota Tundra insurance for high-risk drivers can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

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 Affordable Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,670 more per year to buy Toyota Tundra insurance
• Drivers can save around $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $525 each year
• Drivers who purchase increased levels of liability coverage will pay approximately $520 each year to go from a low 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.