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.

Average insurance rates for a Toyota Tundra are $1,452 a year for full coverage insurance. Comprehensive costs an estimated $320, collision insurance costs $512, and liability costs $440. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,114. Teenage drivers receive the highest rates at up to $5,408 a year.

Average premium for full coverage: $1,452

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $192 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,452
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,814
• Drivers who are prone to accidents and violations could pay up to $3,114
• The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,408 a year

View Chart as Image

Insurance rates for a Toyota Tundra can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

Where you live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $560 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $396 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

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

Saving money on insurance for a Toyota Tundra not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a brief summary of the primary concepts that were touched on in this article.

• It is possible to save approximately $170 per year just by shopping early and online
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,660 more annually to insure their Tundra
• Increasing deductibles can save around $550 each year
• Teen drivers are charged the highest rates, costing up to $451 per month for full coverage

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.