Toyota Tundra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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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.

Average insurance prices for a Toyota Tundra are $1,374 every 12 months including full coverage. Comprehensive costs on average $260 a year, collision costs $424, and liability insurance costs $510. A liability-only policy costs as little as $568 a year, with high-risk insurance costing around $2,966. Teens receive the highest rates at $5,308 a year or more.

Average premium for full coverage: $1,374

Rate estimates by individual coverage type:

Comprehensive $260
Collision $424
Liability $510

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Tundra trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $568 for basic liability insurance to a high of $2,966 for a high-risk driver policy.

Liability Only $568
Full Coverage $1,374
High Risk $2,966

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These examples highlight why it is important to compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below breaks down estimated Toyota Tundra insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $807
  • Drivers who choose higher $1,000 deductibles will pay around $1,220 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,374
  • Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,674
  • High risk drivers with serious driving violations could pay upwards of $2,966 or more
  • The cost to insure a teen driver may cost $5,308 a year

View Chart as Image

Toyota Tundra insurance cost comparison chart
Column chart showing full coverage Toyota Tundra insurance rates range from $807 to $5,308

Insurance rates for a Toyota Tundra can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Tundra.

Choosing higher comprehensive and collision insurance deductibles could save up to $460 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,960 on average in Michigan, New York, and Louisiana.

Toyota Tundra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$134 -9.8%
Alaska $1,054 -$320 -23.3%
Arizona $1,142 -$232 -16.9%
Arkansas $1,374 -$0 0.0%
California $1,566 $192 14.0%
Colorado $1,310 -$64 -4.7%
Connecticut $1,412 $38 2.8%
Delaware $1,554 $180 13.1%
Florida $1,718 $344 25.0%
Georgia $1,268 -$106 -7.7%
Hawaii $984 -$390 -28.4%
Idaho $932 -$442 -32.2%
Illinois $1,022 -$352 -25.6%
Indiana $1,036 -$338 -24.6%
Iowa $926 -$448 -32.6%
Kansas $1,304 -$70 -5.1%
Kentucky $1,874 $500 36.4%
Louisiana $2,032 $658 47.9%
Maine $848 -$526 -38.3%
Maryland $1,132 -$242 -17.6%
Massachusetts $1,098 -$276 -20.1%
Michigan $2,386 $1,012 73.7%
Minnesota $1,150 -$224 -16.3%
Mississippi $1,646 $272 19.8%
Missouri $1,216 -$158 -11.5%
Montana $1,476 $102 7.4%
Nebraska $1,082 -$292 -21.3%
Nevada $1,650 $276 20.1%
New Hampshire $992 -$382 -27.8%
New Jersey $1,536 $162 11.8%
New Mexico $1,216 -$158 -11.5%
New York $1,446 $72 5.2%
North Carolina $792 -$582 -42.4%
North Dakota $1,126 -$248 -18.0%
Ohio $948 -$426 -31.0%
Oklahoma $1,410 $36 2.6%
Oregon $1,258 -$116 -8.4%
Pennsylvania $1,308 -$66 -4.8%
Rhode Island $1,832 $458 33.3%
South Carolina $1,246 -$128 -9.3%
South Dakota $1,160 -$214 -15.6%
Tennessee $1,202 -$172 -12.5%
Texas $1,656 $282 20.5%
Utah $1,016 -$358 -26.1%
Vermont $940 -$434 -31.6%
Virginia $822 -$552 -40.2%
Washington $1,060 -$314 -22.9%
West Virginia $1,260 -$114 -8.3%
Wisconsin $950 -$424 -30.9%
Wyoming $1,224 -$150 -10.9%

View Chart as Image

Toyota Tundra insurance rates by U.S. city

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Toyota Tundra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Tundra Regular Cab 2WD $1,246 $104
Toyota Tundra SR/5 Double Cab 2WD $1,282 $107
Toyota Tundra SR/5 Crew Max 2WD $1,352 $113
Toyota Tundra Regular Cab 4WD $1,314 $110
Toyota Tundra Double Cab 4WD $1,350 $113
Toyota Tundra Limited Double Cab 2WD $1,424 $119
Toyota Tundra SR/5 Double Cab 4WD $1,350 $113
Toyota Tundra Limited Crew MAX 2WD $1,460 $122
Toyota Tundra Limited Crew MAX 4WD $1,492 $124
Toyota Tundra SR/5 Crew Max 4WD $1,492 $124

Rates assume 2018 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.

Toyota Tundra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Tundra $260 $424 $510 $1,374
2016 Toyota Tundra $240 $358 $520 $1,298
2013 Toyota Tundra $210 $288 $534 $1,212
2012 Toyota Tundra $194 $268 $534 $1,176
2011 Toyota Tundra $190 $244 $540 $1,154
2010 Toyota Tundra $176 $222 $534 $1,112
2008 Toyota Tundra $162 $182 $530 $1,054
2007 Toyota Tundra $158 $178 $520 $1,036
2006 Toyota Tundra $156 $168 $510 $1,014
2005 Toyota Tundra $142 $160 $504 $986
2004 Toyota Tundra $138 $152 $500 $970

Rates are averaged for all Toyota Tundra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Cheap Toyota Tundra Insurance

Saving money on Toyota Tundra insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the information touched on in the above illustrations.

  • You may be able to save as much as $160 per year simply by quoting early and online
  • Teen drivers pay the highest rates, as much as $442 per month if they have full coverage
  • Increasing deductibles could save as much as $450 each year
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,590 more each year to insure their Tundra
  • Drivers who require more liability coverage will pay approximately $560 per year to go from a minimum limit to a 250/500 level

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.

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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.

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.

Rates by Driver Age

Toyota Tundra Insurance Rates by Driver Age
Driver Age Premium
16 $5,308
20 $3,158
30 $1,418
40 $1,374
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tundra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,536
$500 $1,374
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tundra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,374
50/100 $1,594
100/300 $1,722
250/500 $2,053
100 CSL $1,645
300 CSL $1,926
500 CSL $2,130

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tundra Insurance Rates for High Risk Drivers
Age Premium
16 $7,534
20 $5,030
30 $3,012
40 $2,966
50 $2,834
60 $2,808

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $94
5-yr Claim Free $88
Paid in Full/EFT $57
Advance Quote $65
Online Quote $96
Total Discounts $567
Rate after discounts $807

Discounts are estimated and may not be available from every company or in every state.

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