Toyota Tundra Insurance Rates
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Michelle Robbins
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UPDATED: May 27, 2024
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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 with full coverage. Comprehensive insurance costs around $296 each year, collision costs $494, and liability is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing $3,106 or more. 16-year-old drivers pay the highest rates at $5,448 a year or more.
Average premium for full coverage: $1,440
Price estimates for individual coverage:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Tundra models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Tundra insurance prices go from the low end price of $536 for minimum levels of liability insurance to a high rate of $3,106 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Toyota Tundra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $841
- Raising to $1,000 deductibles will save about $178 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,440
- Buying low deductibles will cost an additional $348 annually
- Drivers with multiple tickets or accidents could pay at least $3,106 or more
- The price that insures a 16-year-old driver can be $5,448
Car insurance prices for a Toyota Tundra are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,400 a year. View Rates by Age
The state you live in also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,940 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$140 | -9.7% |
| Alaska | $1,106 | -$334 | -23.2% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,642 | $202 | 14.0% |
| Colorado | $1,374 | -$66 | -4.6% |
| Connecticut | $1,480 | $40 | 2.8% |
| Delaware | $1,632 | $192 | 13.3% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,330 | -$110 | -7.6% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $976 | -$464 | -32.2% |
| Illinois | $1,070 | -$370 | -25.7% |
| Indiana | $1,086 | -$354 | -24.6% |
| Iowa | $972 | -$468 | -32.5% |
| Kansas | $1,368 | -$72 | -5.0% |
| Kentucky | $1,964 | $524 | 36.4% |
| Louisiana | $2,132 | $692 | 48.1% |
| Maine | $890 | -$550 | -38.2% |
| Maryland | $1,188 | -$252 | -17.5% |
| Massachusetts | $1,150 | -$290 | -20.1% |
| Michigan | $2,498 | $1,058 | 73.5% |
| Minnesota | $1,206 | -$234 | -16.3% |
| Mississippi | $1,726 | $286 | 19.9% |
| Missouri | $1,280 | -$160 | -11.1% |
| Montana | $1,548 | $108 | 7.5% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,730 | $290 | 20.1% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,612 | $172 | 11.9% |
| New Mexico | $1,274 | -$166 | -11.5% |
| New York | $1,518 | $78 | 5.4% |
| North Carolina | $828 | -$612 | -42.5% |
| North Dakota | $1,178 | -$262 | -18.2% |
| Ohio | $994 | -$446 | -31.0% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,320 | -$120 | -8.3% |
| Pennsylvania | $1,372 | -$68 | -4.7% |
| Rhode Island | $1,924 | $484 | 33.6% |
| South Carolina | $1,306 | -$134 | -9.3% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,734 | $294 | 20.4% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,110 | -$330 | -22.9% |
| West Virginia | $1,322 | -$118 | -8.2% |
| Wisconsin | $998 | -$442 | -30.7% |
| Wyoming | $1,282 | -$158 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $530 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection 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
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tundra Regular Cab 2WD | $1,294 | $108 |
| Toyota Tundra SR/5 Double Cab 2WD | $1,334 | $111 |
| Toyota Tundra SR/5 Crew Max 2WD | $1,416 | $118 |
| Toyota Tundra Regular Cab 4WD | $1,370 | $114 |
| Toyota Tundra Double Cab 4WD | $1,412 | $118 |
| Toyota Tundra Limited Double Cab 2WD | $1,498 | $125 |
| Toyota Tundra SR/5 Double Cab 4WD | $1,412 | $118 |
| Toyota Tundra Limited Crew MAX 2WD | $1,540 | $128 |
| Toyota Tundra Limited Crew MAX 4WD | $1,576 | $131 |
| Toyota Tundra SR/5 Crew Max 4WD | $1,576 | $131 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Tundra | $306 | $506 | $450 | $1,442 |
| 2023 Toyota Tundra | $296 | $494 | $470 | $1,440 |
| 2022 Toyota Tundra | $286 | $474 | $486 | $1,426 |
| 2021 Toyota Tundra | $270 | $458 | $500 | $1,408 |
| 2020 Toyota Tundra | $260 | $424 | $510 | $1,374 |
| 2019 Toyota Tundra | $250 | $400 | $514 | $1,344 |
| 2018 Toyota Tundra | $240 | $358 | $520 | $1,298 |
| 2017 Toyota Tundra | $224 | $330 | $520 | $1,254 |
| 2016 Toyota Tundra | $216 | $310 | $524 | $1,230 |
| 2013 Toyota Tundra | $190 | $244 | $540 | $1,154 |
| 2012 Toyota Tundra | $176 | $222 | $534 | $1,112 |
| 2011 Toyota Tundra | $166 | $202 | $534 | $1,082 |
| 2010 Toyota Tundra | $162 | $182 | $530 | $1,054 |
| 2008 Toyota Tundra | $156 | $168 | $510 | $1,014 |
| 2007 Toyota Tundra | $142 | $160 | $504 | $986 |
| 2006 Toyota Tundra | $138 | $152 | $500 | $970 |
Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Toyota Tundra Insurance
Getting lower rates on insurance for a Toyota Tundra consists of being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
Below is a quick rundown of the coverage data touched on in this article.
- You may be able to save up to $170 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $525 each year
- Teenage drivers are the costliest to insure, costing up to $454 a month if full coverage is purchased
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,670 more every year for auto insurance
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,448 |
| 20 | $3,308 |
| 30 | $1,494 |
| 40 | $1,440 |
| 50 | $1,316 |
| 60 | $1,290 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,628 |
| $500 | $1,440 |
| $1,000 | $1,262 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,670 |
| 100/300 | $1,788 |
| 250/500 | $2,093 |
| 100 CSL | $1,717 |
| 300 CSL | $1,976 |
| 500 CSL | $2,164 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,752 |
| 20 | $5,264 |
| 30 | $3,164 |
| 40 | $3,106 |
| 50 | $2,964 |
| 60 | $2,936 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $76 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $101 |
| Total Discounts | $599 |
Discounts are estimated and may not be available from every company or in every state.
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