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 $1,442 a year including full coverage. Comprehensive costs on average $306 a year, collision insurance costs $506, and liability insurance costs around $450. A policy with just liability insurance costs as low as $518 a year, and coverage for high-risk drivers costs around $3,106. Teenage drivers pay the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Tundra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, rather than relying on average rates.

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

More Rate Details

The chart below breaks down average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best discount rate is $843
• Using higher $1,000 deductibles will save around $1,260 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,442
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,800
• Drivers who are prone to accidents and violations could pay upwards of $3,106
• The price that insures a teen driver may cost $5,420 or more

View Chart as Image

Insurance prices for a Toyota Tundra are also quite variable based on the trim level of your Tundra, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Tundra insurance rates. A driver around age 40 might see prices as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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 Cheap Toyota Tundra Insurance

Getting lower rates on Toyota Tundra insurance requires having a decent driving record, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices at least once a year by getting price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $170 per year just by quoting early and online
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $550 each year
• 16 to 18-year-old drivers pay the highest prices, possibly costing $452 a month if full coverage is included

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.