Toyota Tundra Car Insurance Cost 2025
Getting insurance for a Toyota Tundra costs an average of $1,981 per year. However, the actual amount you’ll pay can vary depending on several factors, including your age, driving history, location, and the specific year of your Tundra model. These variables can significantly influence your premium, so it’s important to get personalized quotes to better understand your expected costs. You can refer to our quote tables below to get a clearer estimate tailored to your situation.
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If you’re thinking about buying a Toyota Tundra, you’ll need to consider the cost of insurance. Insurance is an important part of owning a car, so it’s essential to understand it before making a decision. On average, insurance for a Toyota Tundra cost $1,981 per year.
Choosing the right car insurance is crucial to avoid unexpected and potentially expensive bills in the future. It’s important to have enough coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, if you’re found at fault in an accident, your insurance premiums could increase.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving record, and location can have a significant impact on your insurance premiums.
How Much Does Toyota Tundra Car Insurance Cost?
Typically, Toyota Tundra drivers can expect to pay an average of $1,981 per year for car insurance.
It’s important to understand that car insurance costs can vary greatly based on several key factors. These include your geographic location, driving history, the model year of your vehicle, and the type of coverage you choose. A clean driving record can help you secure lower premiums, while accidents or traffic violations may increase your rates.
Living in a densely populated urban area with heavy traffic often leads to higher insurance costs compared to rural regions with less congestion. Similarly, the kind of coverage you select plays a role in pricing—full coverage, which includes both comprehensive and collision, typically costs more than basic liability insurance.
According to the data below, the average cost to insure a Toyota Tundra is lower than the average for all Toyota models and also less expensive than the overall average for all vehicles. If you’re looking for the best deal, Insuranceopedia can help you compare quotes from multiple auto insurance companies to find the most affordable option for your situation.
| Vehicle | Average Monthly Premium |
| Toyota Tundra | $136 |
| All Toyotas | $150 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Tundra Model Year
| Model Year | Average Premium |
| 2024 Toyota Tundra | $1,670 |
| 2023 Toyota Tundra | $890 |
| 2022 Toyota Tundra | $749 |
| 2021 Toyota Tundra | $861 |
| 2020 Toyota Tundra | $595 |
| 2019 Toyota Tundra | $845 |
| 2018 Toyota Tundra | $779 |
| 2017 Toyota Tundra | $576 |
| 2016 Toyota Tundra | $784 |
| 2015 Toyota Tundra | $705 |
| 2014 Toyota Tundra | $646 |
| 2013 Toyota Tundra | $745 |
| 2012 Toyota Tundra | $648 |
| 2011 Toyota Tundra | $748 |
| 2010 Toyota Tundra | $469 |
2024 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2024 Toyota Tundra is $1,670. However, Allied offers the cheapest rates, averaging $967 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,560 |
| Alliance United | $2,009 |
| California Capital | $1,844 |
| Esurance | $1,703 |
| Allied | $967 |
| Unitrin | $1,621 |
| Travelers | $1,438 |
| 21st Century | $1,883 |
| Mercury | $1,929 |
| Texas Farm Bureau Group | $1,746 |
2023 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2023 Toyota Tundra is $890. However, Safeco offers the cheapest rates, averaging $50 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $735 |
| Grange Mutual | $1,314 |
| Hastings Mutual Insurance Co | $1,116 |
| West Bend Mutual | $1,002 |
| Safeco | $50 |
| Pekin Insurance | $887 |
| Kemper Auto | Infinity | $348 |
| Texas Farm Bureau Group | $1,162 |
| Auto-Owners Insurance Co | $1,184 |
| Erie | $1,104 |
2022 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2022 Toyota Tundra is $749. However, Safeco offers the cheapest rates, averaging $203 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Realtime | $349 |
| Plymouth Rock Assurance | $1,275 |
| West Bend Mutual | $1,006 |
| Pekin Insurance | $832 |
| Safeco | $203 |
| Victoria | $358 |
| Mercury Insurance | $268 |
| North Carolina Farm Bureau | $1,123 |
| New Jersey Manufacturers | $1,169 |
| American National P | $910 |
2021 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2021 Toyota Tundra is $861. However, Safeco offers the cheapest rates, averaging $566 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $624 |
| NatGen Value | $1,150 |
| Utica National Ins Group | $979 |
| Titan | $878 |
| Safeco | $566 |
| Buckeye Insurance Group | $725 |
| American National P | $572 |
| NatGen PPA | $1,056 |
| Western Reserve | $1,065 |
| Hastings Mutual Insurance Co | $991 |
2020 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2020 Toyota Tundra is $595. However, Mercury Insurance offers the cheapest rates, averaging $264 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $338 |
| Countryway Insurance | $901 |
| Buckeye Insurance Group | $703 |
| American National P | $617 |
| Mercury Insurance | $264 |
| NatGen Custom 360 | $410 |
| Safeco | $299 |
| Central Mutual Insurance Co | $881 |
| North Carolina Farm Bureau | $916 |
| Kemper Auto | Infinity | $618 |
2019 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2019 Toyota Tundra is $845. However, Safeco offers the cheapest rates, averaging $360 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $821 |
| North Carolina Farm Bureau | $1,071 |
| Mercury Insurance | $985 |
| Buckeye Insurance Group | $827 |
| Safeco | $360 |
| Kemper Premium | $852 |
| American National P | $471 |
| PEMCO | $1,037 |
| Norfolk and Dedham Group | $1,042 |
| Safety Group | $986 |
2018 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2018 Toyota Tundra is $779. However, Safeco offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $783 |
| West Bend Mutual | $952 |
| Countryway Insurance | $922 |
| New York Central Mutual Fire | $831 |
| Safeco | $379 |
| Pekin Insurance | $806 |
| American National P | $481 |
| Kemper Auto | Infinity | $893 |
| Rural Mutual Insurance | $910 |
| Concord Group | $833 |
2017 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2017 Toyota Tundra is $576. However, Safeco offers the cheapest rates, averaging $254 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $415 |
| Ohio Mutual Ins Group | $808 |
| Pekin Insurance | $712 |
| New York Central Mutual Fire | $563 |
| Safeco | $254 |
| Concord Group | $582 |
| Buckeye Insurance Group | $366 |
| Celina Insurance Group | $675 |
| Infinity Special | $723 |
| Mercury Insurance | $665 |
2016 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2016 Toyota Tundra is $784. However, Safeco offers the cheapest rates, averaging $78 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $793 |
| North Carolina Farm Bureau | $960 |
| Buckeye Insurance Group | $874 |
| MMG Insurance Company | $849 |
| Safeco | $78 |
| PEMCO | $837 |
| Plymouth Rock | $704 |
| Countryway Insurance | $920 |
| Direct Auto | $937 |
| Concord Group | $892 |
2015 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2015 Toyota Tundra is $705. However, Safeco offers the cheapest rates, averaging $33 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $488 |
| Patriot Group | $949 |
| New Jersey Manufacturers | $826 |
| Ohio Mutual Ins Group | $824 |
| Safeco | $33 |
| Utica National Ins Group | $771 |
| American National P | $458 |
| Countryway Insurance | $912 |
| Rural Mutual Insurance | $940 |
| MMG Insurance Company | $847 |
2014 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2014 Toyota Tundra is $646. However, Safeco offers the cheapest rates, averaging $278 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $585 |
| SECURA Insurance | $830 |
| Buckeye Insurance Group | $708 |
| Mercury Insurance | $645 |
| Safeco | $278 |
| Loya Insurance | $664 |
| Infinity Special | $516 |
| SafeAuto | $804 |
| West Bend Mutual | $773 |
| Pekin Insurance | $652 |
2013 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2013 Toyota Tundra is $745. However, Mercury Insurance offers the cheapest rates, averaging $45 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $735 |
| Cameron Mutual Group | $970 |
| IMT Insurance Company | $962 |
| PEMCO | $818 |
| Mercury Insurance | $45 |
| Pekin Insurance | $822 |
| Safeco | $265 |
| North Carolina Farm Bureau | $937 |
| Concord Group | $962 |
| Plymouth Rock Assurance | $930 |
2012 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2012 Toyota Tundra is $648. However, Infinity Special offers the cheapest rates, averaging $447 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $521 |
| Pekin Insurance | $824 |
| Utica National Ins Group | $688 |
| North Carolina Farm Bureau | $651 |
| Mercury Insurance | $460 |
| Union Mutual Fire Group | $646 |
| Infinity Special | $447 |
| Concord Group | $753 |
| American National P | $819 |
| Safety Group | $668 |
2011 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2011 Toyota Tundra is $748. However, Dairyland Broadform offers the cheapest rates, averaging $488 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $638 |
| Western Reserve | $909 |
| NatGen PPA | $837 |
| Pekin Insurance | $731 |
| Dairyland Broadform | $488 |
| Frankenmuth Mutual | $715 |
| Mercury Insurance | $556 |
| Loya Insurance | $871 |
| Mississippi Farm Bureau | $906 |
| Hastings Mutual Insurance Co | $828 |
2010 Toyota Tundra Insurance Rates
The average annual insurance cost for a 2010 Toyota Tundra is $469. However, Safeco offers the cheapest rates, averaging $118 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $323 |
| Rockford Mutual Insurance | $750 |
| Mississippi Farm Bureau | $631 |
| American National P | $395 |
| Safeco | $118 |
| NatGen PPA | $375 |
| Dairyland Broadform | $229 |
| Pekin Insurance | $647 |
| North Carolina Farm Bureau | $675 |
| Dairyland FR Bond | $546 |
Find Affordable Toyota Tundra Car Insurance Rates
Is A Toyota Tundra Car Insurance Expensive To Insure?
The cost to insure a Toyota Tundra is generally lower than the average insurance cost for all vehicles. However, your exact premium will depend on a variety of personal factors. These include your age, where you live, your driving history, and even the age and condition of your Tundra. Each of these elements can influence how much risk an insurance company associates with covering you, which ultimately affects your rate.
Cost of Toyota Tundra Car Insurance By Age
Age is a major factor when it comes to determining car insurance rates for any vehicle, including the Toyota Tundra. Teen drivers tend to pay the highest premiums because they are statistically more likely to be involved in accidents. As drivers age and gain more experience on the road, insurance companies view them as lower risk, which typically results in lower premiums. Generally, drivers in their 30s, 40s, and 50s enjoy the most favorable rates, assuming they have a clean driving record.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,653 | $11,218 | $13,145 |
| 18 | $7,147 | $10,504 | $12,260 |
| 19 | $6,294 | $9,240 | $10,846 |
| 20 | $5,484 | $8,069 | $9,423 |
| 21 | $4,606 | $6,756 | $7,895 |
| 22 | $4,490 | $6,598 | $7,727 |
| 23 | $3,921 | $5,769 | $6,759 |
| 24 | $3,737 | $5,438 | $6,435 |
| 25 | $3,236 | $4,733 | $5,540 |
| 30 | $2,520 | $3,698 | $4,331 |
| 35 | $2,344 | $3,447 | $4,037 |
| 40 | $2,256 | $3,277 | $3,900 |
| 45 | $2,228 | $3,228 | $3,759 |
| 55 | $1,993 | $2,953 | $3,436 |
| 65 | $2,092 | $3,093 | $3,619 |
| 75 | $2,681 | $3,902 | $4,551 |
Toyota Tundra Car Insurance Rates By State
Where you live greatly influences how much you’ll pay for Toyota Tundra insurance. Each state sets its own rules for auto insurance, and some require higher levels of coverage than others—Michigan, for example, tends to have higher premiums due to its strict insurance laws. Climate also matters; if you live in an area prone to hurricanes, floods, or other extreme weather, insurers may charge more to cover potential risks.
Additionally, insurance companies look at local statistics like crime rates, accident frequency, and vehicle thefts. Areas with higher incidents of crashes or stolen vehicles will typically see higher insurance costs, all of which are factored into the rate you’re offered.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,387 | $3,478 | $4,431 |
| Alaska | $1,978 | $2,753 | $2,710 |
| Arizona | $2,253 | $3,218 | $4,797 |
| Arkansas | $2,443 | $3,857 | $4,249 |
| California | $2,738 | $4,838 | $2,716 |
| Colorado | $2,575 | $3,549 | $4,517 |
| Connecticut | $3,261 | $5,061 | $6,401 |
| Delaware | $2,676 | $3,584 | $4,652 |
| Florida | $3,237 | $4,440 | $5,799 |
| Georgia | $2,622 | $3,918 | $3,944 |
| Hawaii | $1,056 | $1,407 | $1,054 |
| Idaho | $1,784 | $2,399 | $2,966 |
| Illinois | $1,945 | $2,877 | $3,261 |
| Indiana | $1,967 | $2,982 | $3,348 |
| Iowa | $1,543 | $2,116 | $2,469 |
| Kansas | $2,076 | $3,000 | $3,538 |
| Kentucky | $2,949 | $4,350 | $5,169 |
| Louisiana | $3,825 | $5,762 | $6,245 |
| Maine | $1,455 | $1,960 | $2,911 |
| Maryland | $2,328 | $3,398 | $3,749 |
| Massachusetts | $1,857 | $3,261 | $1,840 |
| Michigan | $4,531 | $6,876 | $10,850 |
| Minnesota | $1,873 | $2,478 | $3,484 |
| Mississippi | $2,246 | $3,195 | $3,258 |
| Missouri | $2,120 | $3,039 | $3,995 |
| Montana | $2,155 | $3,002 | $3,497 |
| Nebraska | $1,806 | $2,695 | $2,937 |
| Nevada | $3,033 | $4,481 | $4,724 |
| New Hampshire | $2,096 | $3,313 | $4,191 |
| New Jersey | $2,334 | $3,620 | $4,727 |
| New Mexico | $2,357 | $3,489 | $3,650 |
| New York | $2,177 | $2,711 | $4,547 |
| North Carolina | $1,329 | $2,323 | $1,630 |
| North Dakota | $1,817 | $2,818 | $3,312 |
| Ohio | $1,679 | $2,534 | $2,574 |
| Oklahoma | $2,621 | $3,778 | $4,252 |
| Oregon | $2,415 | $3,206 | $3,848 |
| Pennsylvania | $1,983 | $2,954 | $3,476 |
| Rhode Island | $3,395 | $4,973 | $5,547 |
| South Carolina | $2,264 | $3,182 | $4,374 |
| South Dakota | $2,044 | $2,927 | $3,400 |
| Tennessee | $2,402 | $3,574 | $4,728 |
| Texas | $2,438 | $3,552 | $4,363 |
| Utah | $2,086 | $2,864 | $4,008 |
| Vermont | $1,577 | $2,437 | $2,565 |
| Virginia | $1,497 | $2,344 | $2,242 |
| Washington | $1,986 | $2,716 | $3,220 |
| West Virginia | $1,996 | $2,857 | $3,546 |
| Wisconsin | $1,991 | $3,112 | $3,537 |
| Wyoming | $1,857 | $2,602 | $2,790 |
Find Affordable Toyota Tundra Car Insurance Rates
Cheapest Car Insurance Companies For A Toyota Tundra
If you’re in the market for car insurance for your Toyota Tundra, it’s helpful to know which companies offer the most affordable policies. For those looking for the lowest possible rate, MetroMile offers a premium of $24 per month, making it one of the cheapest options. However, insurance rates can vary based on factors like your driving history, age, and location, so this figure is an average. To get the best rate tailored to your specific profile, it’s advisable to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Aspire | $36 |
| StateAuto | $37 |
| Good2Go | $45 |
| Amica | $56 |
| Horace Mann | $51 |
Common Toyota Tundra Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each provider may offer different discounts, here are some common ones you can look into:
- Multi-policy: Bundling your auto and home insurance with the same provider can often result in a discounted rate.
- Pay annually: Paying your premium in full at once, rather than in monthly installments, can sometimes lead to savings.
- Defensive driving: Completing a defensive driving course from an accredited institution might make you eligible for discounts.
In addition to these, there may be other discounts available. It’s a good idea to speak with your insurance agent to find out which discounts you qualify for.
Ways To Save On Toyota Tundra Insurance Costs
Maintaining a clean driving record is crucial for keeping your Toyota Tundra insurance costs down. Speeding tickets or accidents can increase your premiums. For example, drivers with a ticket on their record typically pay $75 per month, while those with multiple accidents may pay an average of $123 per month. Avoiding these incidents will help keep your insurance costs low.
Additionally, drivers who drive fewer miles annually tend to pay less for insurance. This is because driving less often reduces the risk of accidents. Toyota Tundra drivers who drive between 5,000 and 7,500 miles annually can expect to pay around $72 per month, whereas those who drive over 10,000 miles per year will pay around $80 per month.
Compare Toyota Tundra To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 86 Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for this calculation was for a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures may differ from the rates you would receive, as insurance costs can vary based on individual factors such as your location, driving history, and the specific car model.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Tundra?
Yes, you will need to provide proof of insurance before you can drive your Toyota Tundra out of the dealership. The best approach is to purchase a policy beforehand and inform your insurance company that you’re about to buy your car. This way, you ensure you have coverage in place before driving off, instead of relying on the dealership’s insurance options.
How Can You Get The Cheapest Insurance For Your Toyota Tundra?
The best way to find the cheapest rates for your Toyota Tundra is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers directly on our website, helping you find the best deal for your needs.
