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 auto insurance rates for a Toyota Tundra are $1,440 annually for full coverage insurance. Comprehensive insurance costs around $296, collision insurance costs $494, and liability is $470. A policy with just liability insurance costs around $536 a year, and coverage for high-risk drivers costs $3,106 or more. Teen drivers pay the highest rates at up to $5,448 a year.

Average premium for full coverage: $1,440

Price estimates for individual coverage:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Tundra models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

The chart below illustrates average Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $841
• Raising to $1,000 deductibles will save about $178 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,440
• Choosing pricier low deductibles costs an additional $348 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,106
• The price with full coverage for a teen driver for full coverage can be $5,448

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Insurance prices for a Toyota Tundra are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

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

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,400 extra each year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $530 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,940 on average in Michigan, New York, 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 Best Cheap Toyota Tundra Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick review of the concepts that were illustrated above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,670 more every year for Tundra insurance
• Teens pay higher prices, as much as $454 a month including comprehensive and collision insurance
• It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $525 each year
• It is possible to save up to $170 per year just 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.