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 $1,452 every 12 months including full coverage. Comprehensive costs on average $320, collision insurance costs $512, and liability insurance costs $440. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $3,114. Teens pay the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,452

Price estimates by individual coverage:

These estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay around $192 every year
• The average price for the average middle-age driver with $500 deductibles is $1,452
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,814
• High risk drivers with serious driving violations could pay upwards of $3,114
• The price to insure a teen driver with full coverage may cost $5,408 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $560 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $396 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

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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 Cheap Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $170 per year just by shopping early and online
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,660 more each year for Tundra insurance
• Increasing physical damage deductibles could save as much as $550 each year
• Teens pay higher prices, possibly costing $451 a 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.