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 prices for a Toyota Tundra are $1,442 every 12 months including full coverage. Comprehensive insurance costs an estimated $306 each year, collision insurance costs $506, and liability insurance is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs $3,106 or more. 16-year-old drivers cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down average Toyota Tundra insurance rates for other coverage scenarios.

• The best full coverage rate is $843
• Choosing higher $1,000 deductibles can save approximately $182 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,442
• Buying low deductibles for comp and collision coverage costs an extra $358 a year
• High-risk insureds with multiple tickets or accidents could pay up to $3,106
• Policy cost to insure a teen driver can cost as much as $5,420 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,060 on average in Louisiana, New York, and Michigan.

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 Shop for Cheap Toyota Tundra Insurance

Finding cheaper rates on Toyota Tundra insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below is a brief summary of the ideas that were touched on above.

• Teenage drivers are charged the highest rates, with premiums being up to $452 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,660 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• You may be able to save approximately $170 per year just by quoting online in advance

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.