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 insurance prices for a Toyota Tundra are $1,440 every 12 months for full coverage. Comprehensive insurance costs on average $296 a year, collision costs $494, and liability is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing $3,106 or more. Teen drivers pay the most at $5,448 a year or more.

Average premium for full coverage: $1,440

Premium estimates by type of coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 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 have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $841
• Raising to $1,000 deductibles will save around $1,262 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,440
• Choosing low $100 deductibles costs an extra $348 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,106 or more
• An auto insurance policy to insure a teen driver may cost $5,448

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Tundra.

Choosing high deductibles can reduce prices by up to $530 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $423 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates

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 $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

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 Cheaper Toyota Tundra Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every other policy renewal by getting price quotes from direct carriers, and also from local independent and exclusive agents.

Below is a condensed summary of the ideas that were covered in the above illustrations.

• Teenage drivers pay the highest prices, as much as $454 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents pay an average of $1,670 more each year for auto insurance
• Increasing policy deductibles could save as much as $525 each year
• Drivers can save as much as $170 per year simply by quoting early and online

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.