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 $1,408 a year including full coverage. Comprehensive insurance costs around $270, collision insurance costs $458, and liability insurance costs $500. A liability-only policy costs as little as $560 a year, and high-risk insurance costs $3,040 or more. Teen drivers pay the most at up to $5,408 a year.

Average premium for full coverage: $1,408

Premium estimates for type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why everyone should compare rates for a specific zip code, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $824
• Drivers who choose higher $1,000 deductibles will pay about $166 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,408
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $320 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,040
• An auto insurance policy that insures a teen driver for full coverage can be $5,408 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,300 in extra premium annually, depending on your age. Toyota Tundra insurance for high-risk drivers can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $490 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Right Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick rundown of the data touched on in this article.

• Drivers who may need higher levels of liability will pay about $550 per year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $475 each year
• Teenage drivers are expensive to insure, with the cost nearing $451 per month if the policy includes full coverage

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.