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.

The average auto insurance rates for a Toyota Tundra are $1,442 annually including full coverage. Comprehensive costs around $306 each year, collision costs $506, and liability insurance is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing around $3,106. Teenage drivers cost the most to insure at $5,420 a year or more.

Average premium for full coverage: $1,442

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save about $182 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,442
• Using low deductibles for comp and collision coverage will cost $1,800
• High-risk insureds who are prone to accidents and violations could pay at least $3,106 or more
• Policy cost with full coverage for a teen driver can be $5,420 each year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $405 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

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 Best Toyota Tundra Insurance

Finding cheaper rates on Toyota Tundra insurance takes having a good driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the data presented in the illustrations above.

• Drivers who may need increased levels of liability coverage will pay an extra $500 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $452 each month if they have full coverage

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.