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 insurance prices for a Toyota Tundra are $1,442 every 12 months for full coverage insurance. Comprehensive costs on average $306, collision insurance costs $506, and liability insurance is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $3,106. Teens cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Tundra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes 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.

More Rate Details

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

• The cheapest rate after discounts is $843
• Choosing higher $1,000 deductibles can save around $182 each year
• The average price for a good driver age 40 with $500 deductibles is $1,442
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,800
• High-risk insureds with serious driving violations could pay upwards of $3,106
• Policy cost to insure a teen driver with full coverage may cost $5,420 each year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Tundra.

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

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 $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

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

Finding cheaper rates on Toyota Tundra insurance takes being a safe and courteous driver, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct insurance companies, and also from several local insurance agents.

Below is a brief summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,660 more each year for auto insurance
• It is possible to save as much as $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers who require higher levels of liability will pay approximately $500 annually to raise limits from a 30/60 limit to a 250/500 level

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.