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.

U.S. average insurance rates for a Toyota Tundra are $1,442 a year including full coverage. Comprehensive costs around $306, collision costs $506, and liability costs around $450. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing around $3,106. Teen drivers pay the highest rates at $5,420 a year or more.

Average premium for full coverage: $1,442

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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 lowest rate with discounts is $843
• Using higher $1,000 deductibles will save about $182 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,442
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,800
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,106 or more
• The price for full coverage for a 16-year-old driver for full coverage can be $5,420 or more

View Chart as Image

Car insurance prices for a Toyota Tundra are also quite variable based on your driving record, the model of your Tundra, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $405 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. Toyota Tundra insurance for high-risk drivers can be from 42% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

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 Find Cheap Toyota Tundra Insurance

Getting lower rates on insurance for a Toyota Tundra requires avoiding accidents and claims, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a brief summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,660 more every year to insure a Toyota Tundra
• Drivers under the age of 20 are the costliest to insure, possibly costing $452 a month if full coverage is included
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date

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.