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 auto insurance rates for a Toyota Tundra are $1,452 annually with full coverage. Comprehensive costs an estimated $320, collision insurance costs $512, and liability is $440. A liability-only policy costs around $510 a year, and high-risk insurance costs around $3,114. Teens pay the most at up to $5,408 a year.

Average premium for full coverage: $1,452

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details average Toyota Tundra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save approximately $192 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,452
• Selecting more expensive low deductibles will cost $1,814
• At-risk drivers with serious driving violations could pay up to $3,114
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,408

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $560 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $396 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,960 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 Buy Low Cost Toyota Tundra Insurance

Finding better rates on car insurance consists of being safe and accident-free, having above-average credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

Below you'll find a review of the data covered in the charts and tables above.

• Policyholders who want more liability protection will pay approximately $480 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $170 per year just by shopping early and online
• Increasing policy deductibles could save up to $550 each year
• Youthful drivers are the costliest to insure, possibly costing $451 per 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.