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.

U.S. average 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 around $440. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $3,114 or more. Teenage drivers pay the highest rates at $5,408 a year or more.

Average premium for full coverage: $1,452

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save approximately $1,260 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,452
• Using low $100 deductibles for physical damage coverage will cost an extra $362 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,114 or more
• The price for full coverage for a 16-year-old driver can cost as much as $5,408 or more

View Chart as Image

Auto insurance prices for a Toyota Tundra are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see prices 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 cut prices by as much as $560 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $396 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite 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 Cheaper Toyota Tundra Insurance

Getting lower rates on insurance for a Toyota Tundra requires being safe and accident-free, having good credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a condensed summary of the ideas that were covered in the charts and tables above.

• Youthful drivers are the costliest to insure, as much as $451 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,660 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $550 each year
• It is possible to save approximately $170 per year simply by quoting early and online

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.