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 $1,442 a year for full coverage insurance. Comprehensive insurance costs an estimated $306 each year, collision insurance costs $506, and liability insurance is $450. Liability-only coverage costs around $518 a year, and high-risk coverage costs $3,106 or more. 16-year-old drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why all drivers should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $843
• Raising to $1,000 deductibles will save approximately $182 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,442
• Buying low deductibles will cost an additional $358 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,106
• An auto insurance policy that insures a teen driver can cost as much as $5,420

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Tundra insurance rates. A middle-age driver might find prices as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $405 more per year. View Rates by Deductible or Liability Limit

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 Toyota Tundra Insurance

Finding better rates on Toyota Tundra insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop at least every other year by requesting rates from direct insurance companies, and also from local insurance agencies.

Below is a brief recap of the car insurance concepts covered above.

• High-risk drivers who tend to receive serious violations may have to pay on average $1,660 more annually for auto insurance
• It is possible to save approximately $170 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $550 each year
• Drivers who want higher levels of liability will pay around $500 annually to raise from 30/60 bodily injury limits to the 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.

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.