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 rates for a Toyota Tundra are $1,442 a year for full coverage. Comprehensive insurance costs on average $306 each year, collision insurance costs $506, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs $3,106 or more. Teen drivers 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:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,442
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $358 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,106
• Policy cost that insures a 16-year-old driver may cost $5,420 a year

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 131% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

Your home state makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,060 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $540 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

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 the Cheapest Toyota Tundra Insurance

Finding cheaper rates on insurance for a Toyota Tundra not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Shop around every year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

Below is a recap of the coverage data touched on above.

• Drivers can save as much as $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teenage drivers pay the highest rates, costing up to $452 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,660 more each year for auto 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.