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 including full coverage. Comprehensive costs approximately $320 each year, collision insurance costs $512, and liability is estimated at $440. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $3,114. Teen drivers pay the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,452

Price estimates by individual coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Tundra models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save $192 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,452
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,814
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,114
• The price that insures a teen driver can cost $5,408 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Tundra insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $560 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $396 extra every 12 months. 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 Right Toyota Tundra Insurance

Getting lower rates on car insurance takes having a good driving record, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around at least once a year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a quick rundown of the primary concepts that were covered above.

• You may be able to save around $170 per year just by quoting online in advance
• Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,660 more per year to buy Toyota Tundra insurance
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $451 a month if full coverage is purchased

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.