2021 Toyota Tundra Car Insurance Calculator

Explore and learn how choices you make affect the cost of insurance for a 2021 Toyota Tundra. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2021 Toyota Tundra is $2,154 per year, or about $180 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,154

Cost Per Month

$180

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Tundra Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 Toyota Tundra.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,154
Average Rate
Your Rate
$2,154

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 Toyota Tundra trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Toyota Tundra is $2,154.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Toyota Tundra vs. the Large Truck Segment

The table below compares insurance rates for the 2021 Toyota Tundra against all other models in the large truck segment. The Toyota Tundra is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Tundra, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Tundra.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Toyota Tundra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,084-$70
2Toyota Tundra$2,154--
3GMC Sierra$2,200$46
2021 Large Truck Average$2,203$49
4Nissan Titan$2,226$72
5Ram Truck$2,258$104
6Chevrolet Silverado$2,296$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 Tundra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Toyota Tundra.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Toyota Tundra Insurance Rates by Trim Level
2021 Toyota Tundra Trim Level Annual Premium Cost Per Month
Double Cab SR 2WD$2,020$168
Double Cab SR5 2WD$2,020$168
Double Cab SR 4WD$2,066$172
Double Cab SR5 4WD$2,066$172
Crew Max SR5 2WD$2,086$174
Crew Max SR5 4WD$2,132$178
Crew Max Limited 2WD$2,150$179
Double Cab Limited 2WD$2,150$179
Crew Max Limited 4WD$2,194$183
Double Cab Limited 4WD$2,194$183
Double Cab TRD Pro 4WD$2,194$183
Crew Max 1794 2WD$2,214$185
Crew Max Platinum 2WD$2,214$185
Crew Max 1794 4WD$2,260$188
Crew Max Platinum 4WD$2,260$188
Crew Max TRD Pro 4WD$2,260$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Toyota Tundra for different driver ages.

2021 Toyota Tundra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,797$650
17$7,536$628
18$6,716$560
19$6,122$510
20$4,676$390
21$4,458$372
22$3,982$332
23$3,274$273
24$3,087$257
25$2,504$209
30$2,294$191
35$2,216$185
40$2,154$180
45$2,016$168
50$1,912$159
55$1,786$149
60$1,790$149
65$1,910$159
70$2,074$173
75$2,456$205
80$3,034$253

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Tundra trim levels.