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 prices for a Toyota Tundra are $1,442 every 12 months with full coverage. Comprehensive costs approximately $306 a year, collision insurance costs $506, and liability coverage is estimated at $450. A liability-only policy costs approximately $518 a year, and high-risk insurance costs around $3,106. Teens pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why it is important to get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $843
• Choosing higher $1,000 deductibles can save $1,260 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,442
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,800
• Drivers with serious driving violations could pay around $3,106
• An auto insurance policy to insure a teenage driver can cost $5,420 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $405 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,950 on average in New York, Michigan, and Florida.

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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 Shop for Cheap Toyota Tundra Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following is a brief summary of the ideas that were touched on in this article.

• Teens have the highest car insurance prices, possibly costing $452 per month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more per year for Tundra insurance
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save around $170 per year just 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.