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.

Average auto insurance rates for a Toyota Tundra are $1,442 annually with full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $506, and liability coverage is $450. A liability-only policy costs around $518 a year, and high-risk insurance costs $3,106 or more. Teenage drivers receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Tundra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below details average Toyota Tundra insurance rates for other coverage scenarios.

• The best discount rate is $843
• Raising to $1,000 deductibles will save approximately $182 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,442
• Using pricier low deductibles costs an additional $358 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,106
• The cost with full coverage for a teenage driver for full coverage can cost as much as $5,420

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Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your driving record, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $540 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more per year. View Rates by Deductible or Liability Limit

Where you live 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,950 on average in New York, Michigan, and Florida.

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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 Buy the Right Toyota Tundra Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a quick rundown of the primary concepts that were touched on above.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions pay on average $1,660 more annually for car insurance
• Increasing deductibles could save up to $550 each year
• Teenagers are charged the highest rates, with premiums as much as $452 per month including comprehensive and collision 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.

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.