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 costs an estimated $306 a year, collision costs $506, and liability coverage is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing around $3,106. Teens pay the most at $5,420 a year or more.

Average premium for full coverage: $1,442

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Tundra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $843
• Raising to $1,000 deductibles will save approximately $1,260 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,442
• Selecting low $100 deductibles bumps up the cost to $1,800
• Unlucky drivers with serious driving violations could pay up to $3,106 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,420

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on the trim level of your Tundra, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Tundra insurance rates. 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 $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $405 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and prices will be substantially different.

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 Affordable Toyota Tundra Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates every time your policy renews by requesting rates from direct companies, and also from insurance agencies where you live.

The list below is a brief review of the information raised in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting early and online
• Teenagers are expensive to insure, possibly costing $452 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $550 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,660 more annually for car insurance
• Consumers who want higher liability limits will pay approximately $500 every year to raise from 30/60 bodily injury limits to the 250/500 level

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.