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 with full coverage. Comprehensive insurance costs on average $306, collision costs $506, and liability coverage costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing $3,106 or more. Teens pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $843
• Using higher $1,000 deductibles will save around $182 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,442
• Selecting pricier low deductibles for physical damage coverage will cost an extra $358 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,106 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,420 or more

View Chart as Image

Auto insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,950 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. Toyota Tundra insurance for high-risk drivers can be around 42% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially 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

Finding better rates on auto insurance requires having a decent driving record, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a condensed summary of the data that was covered above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Consumers who require additional liability coverage will pay approximately $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $452 per month if they have full coverage
• Drivers with multiple at-fault accidents may be required to pay an average of $1,660 more each year than a driver with a clean driving record

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.