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 insurance rates for a Toyota Tundra are $1,452 a year for full coverage insurance. Comprehensive insurance costs an estimated $320 a year, collision costs $512, and liability costs $440. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $3,114 or more. Teenage drivers pay the most at $5,408 a year or more.

Average premium for full coverage: $1,452

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

The chart below illustrates estimated Toyota Tundra insurance rates for other coverage scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $1,260 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,452
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $362 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,114 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,408 a year

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $560 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $396 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially 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 the Best Cheap Toyota Tundra Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick review of the material that was touched on above.

• Policyholders who want more liability coverage will pay an extra $480 annually to go from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are charged the highest prices, with premiums being up to $451 per month for full coverage
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,660 more annually to insure their Tundra
• Increasing policy deductibles can save around $550 each year

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.