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.

Estimated auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage. Comprehensive insurance costs around $306 each year, collision insurance costs $506, and liability is $450. A liability-only policy costs around $518 a year, and high-risk insurance costs $3,106 or more. Teenage drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $843
• Raising to $1,000 deductibles will save about $182 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,442
• Using low deductibles costs an additional $358 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,106
• An auto insurance policy with full coverage for a teen driver can be $5,420

View Chart as Image

Auto insurance prices for a Toyota Tundra also have a wide range based on the model of your Tundra, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,060 on average in Michigan, Louisiana, and New York.

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 Buy the Cheapest Toyota Tundra Insurance

Finding better rates on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

The following items are a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $170 per year just by quoting online in advance
• Higher risk drivers that have major violations or accidents pay an average of $1,660 more every year than a driver with a clean driving record
• Increasing policy deductibles could save up to $550 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $452 per month if full coverage is included

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.