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 for full coverage insurance. Comprehensive costs on average $306 each year, collision insurance costs $506, and liability coverage costs $450. A policy with just liability insurance costs as little as $518 a year, and coverage for high-risk drivers costs around $3,106. 16-year-old drivers pay the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Tundra models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should compare rates based on a specific location, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,442
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,800
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,106
• The price that insures a teenage driver may cost $5,420 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest 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 makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 a year, whereas increasing liability limits will cost you more. Switching 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 the Cheapest Toyota Tundra Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop every year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a recap of the coverage data covered in the above illustrations.

• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 16 to 20 pay the highest prices, as much as $452 a month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,660 more each year than a safer driver

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.