Ford F150 vs Toyota Tundra Insurance Cost

• At an average cost of $2,684 per year, a 2024 Ford F150 has cheaper car insurance rates than a 2024 Toyota Tundra by an average of $172 per year.
• Out of seven models in the 2024 large truck segment, the Ford F150 ranks fourth and the Toyota Tundra ranks seventh for cheapest car insurance cost.
• If the cheapest car insurance is the most important criteria, the XL Super Cab 4WD and XL Regular Cab trims are the cheapest Ford F150 models to insure, while the SR Double Cab 2WD and SR Crew Max 2WD trims are the cheapest Toyota Tundra models to insure.

Does a Ford F150 or Toyota Tundra cost less to insure?

Car insurance on a 2024 Ford F150 costs an average of $2,684 per year, and insurance for a Toyota Tundra averages $2,856 per year, making the Ford F150 the winner with cheaper average insurance rates.

Out of 27 trim levels for the 2024 Ford F150, the cheapest insurance rates are on the XL Super Cab 4WD model at a cost of $2,254 per year, or about $188 per month. For the 24 trims available for the Toyota Tundra, the cheapest 2024 trim to insure is the SR Double Cab 2WD trim at a cost of $2,548.

When comparing rates by trim level for both models, the most affordable model and trim level is the Ford F150 XL Super Cab 4WD at an average cost of $2,254 per year, and the overall most expensive vehicle to insure is the Ford F150 Lightning Platinum Black Special Edition costing $3,120 per year.

The table shown below ranks the yearly and monthly cost of car insurance for 2024 Ford F150 and Toyota Tundra models, showing average premium cost for each trim level.

The rate chart below displays the average cost to insure the two models with different ages of drivers. The average cost of car insurance ranges from $2,378 to $5,432 per year for a 2024 Ford F150, and $2,528 to $5,820 for a 2024 Toyota Tundra for the included driver ages.

The tables shown below display average car insurance cost by trim level for a 2024 Ford F150 and Toyota Tundra, along with an average cost for each model. The 2024 Ford F150 has lower-cost car average car insurance rates than the 2024 Toyota Tundra.

2023 Ford F150 vs. Toyota Tundra

Insurance rates for a 2023 Ford F150 average $2,370 per year, and the 2023 Toyota Tundra costs an average of $2,456 per year, making the Ford F150 the better deal by $86 per year.

For the 27 trims available for the 2023 Ford F150, the cheapest model to insure is the XL Super Cab 4WD model at an average cost of $2,032 per year, or around $169 per month. Out of the 24 trim levels available for the Toyota Tundra, the cheapest 2023 trim level to insure is the SR Double Cab 2WD trim at a cost of $2,164.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Super Cab 4WD at an average cost of $2,032 per year, and the most expensive trim is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average of $2,678 per year.

The table below ranks the cost of car insurance for 2023 Ford F150 and Toyota Tundra models, showing average cost by trim level for each model.

The chart below visualizes the average cost to insure both models rated for drivers aged 20 to 50. For a 2023 Ford F150, the average cost of car insurance ranges from $2,100 to $4,736 per year. A 2023 Toyota Tundra costs from $2,168 to $4,952 to insure per year.

The two tables below show average car insurance cost by trim level for each 2023 model, along with an average cost for each model.

2022 Ford F150 vs. Toyota Tundra

When comparing 2022 Ford F150 and Toyota Tundra models, the model having the cheapest rates is the Ford F150. Insurance on the Ford F150 averages $2,118 per year, whereas insurance for the Toyota Tundra costs an average of $2,358 per year.

The cost of car insurance can vary greatly depending on the trim level of the vehicle being insured, however. For a 2022 Ford F150, rates range from the lowest rate of $1,826 per year for the XL Regular Cab 4WD model up to $2,408 for the Limited SuperCrew model. For a 2022 Toyota Tundra, rates can range from $2,106 per year for the SR Double Cab 2WD model up to $2,590 for the most expensive Capstone Crew Max 4WD model.

When rates are compared for both models, the lowest-cost model and trim level is the Ford F150 XL Regular Cab 4WD at an average cost of $1,826 per year. The most expensive trim is the Toyota Tundra Capstone Crew Max 4WD costing an average of $2,590 per year.

For a 2022 Ford F150, the cheapest models are the XL Regular Cab 4WD, XL Super Cab 4WD, and XLT Regular Cab 4WD. The cheapest Toyota Tundra models include the SR Double Cab 2WD, SR Double Cab 4WD, and SR5 Double Cab 2WD.

From a monthly standpoint, insurance rates for all 2022 Ford F150 and Toyota Tundra trim levels range from $152 to $216 per month.

The table below compares and ranks the yearly and monthly cost of car insurance for 2022 Ford F150 and Toyota Tundra models, with average rates for every trim level for each model.

The chart below compares average Ford F150 insurance cost to Toyota Tundra insurance cost for drivers aged 20, 30, 40 and 50.

The tables below detail insurance rates for all trim levels of 2022 F150 and Tundra models. The 2022 Ford F150 has an average insurance cost of $2,118 and the 2022 Toyota Tundra is $2,358, making the Ford F150 cheaper by $240 per year.

2021 Ford F150 vs Toyota Tundra

For 2021 Ford F150 and Toyota Tundra models, the Ford F150 has cheaper car insurance rates by an average of $68 per year for this comparison year.

The next chart shows the average cost to insure the two models using a range of rated driver ages. For a 2021 Ford F150, average insurance cost ranges from $1,896 to $4,340 per year for the driver ages used. A 2021 Toyota Tundra costs from $1,958 to $4,470 to insure per year.

Out of 43 Ford F150 trim levels, the cheapest 2021 trim to insure is the XL Regular Cab 6.5 4WD model at an average cost of $1,904 per year. The 2021 Toyota Tundra has 16 trim levels available, with the cheapest model to insure being the Double Cab SR 2WD model at an average cost of $2,070 per year, or around $173 per month.

When rates for all 59 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Ford F150 XL Regular Cab 6.5 4WD at a cost of $1,904 per year, and the most expensive trim is the Ford F150 Limited Super Cab 2WD at a cost of $2,530 per year.

The rate tables below illustrate trim level insurance rates for each 2021 model, as well as the overall average rate for each model.

2020 Ford F150 vs Toyota Tundra

When comparing average insurance rates for 2020 models, a Ford F150 costs an average of $2,074 per year to insure and a Toyota Tundra costs $2,142, making the Ford F150 cheaper to insure by $68 per year for 2020.

The rate chart below visualizes the average cost to insure the two models with different driver age groups. The average car insurance cost ranges from $1,840 to $4,210 per year for a 2020 Ford F150, and $1,902 to $4,338 for a 2020 Toyota Tundra for the example age groups.

Out of 43 trim levels for the 2020 Ford F150, the cheapest car insurance rates are on the XL Regular Cab 6.5 4WD model at a cost of $1,848 per year, or $154 per month. Out of the 16 trims available for the Toyota Tundra, the cheapest 2020 model to insure is the Double Cab SR 2WD trim at a cost of $2,010.

When rates for all 59 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average of $1,848 per year. The highest-cost model and trim level is the Ford F150 Limited Super Cab 2WD at a cost of $2,454 per year.

The next two tables display the cost to insure the available trim levels for both 2020 models, along with the average rate for each model. The 2020 Ford F150 is the winner over the 2020 Toyota Tundra for the cheapest overall car insurance rates.

2019 Ford F150 vs Toyota Tundra

When comparing insurance rates for 2019 models, a Ford F150 costs an average of $1,950 per year to insure and a Toyota Tundra costs $1,992, making the Ford F150 cheaper to insure by $42 per year.

The rate chart below shows the average cost to insure the two models for four different driver age groups. Average insurance cost ranges from $1,734 to $3,964 per year for a 2019 Ford F150, and $1,770 to $4,050 for a 2019 Toyota Tundra for the driver ages used.

Out of 24 trim levels for the 2019 Ford F150, the cheapest average car insurance prices are on the XL Regular Cab 4WD model at a cost of $1,670 per year, or about $139 per month. For the 10 trim levels available for the Toyota Tundra, the cheapest 2019 model to insure is the Double Cab SR5 4WD model at a cost of $1,872 per year, or $156 per month.

When comparing aggregated rates for both models from a trim-level perspective, the overall cheapest vehicle to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,670 per year. The most expensive trim is the Ford F150 Limited Crew Cab 2WD costing $2,298 per year.

The tables below show trim level insurance rates for each 2019 model, including an overall average cost for each model.

2018 Ford F150 vs Toyota Tundra

For 2018 Ford F150 and Toyota Tundra models, the Ford F150 has cheaper car insurance rates by an average of $50 per year for 2018.

The chart shown below demonstrates the average cost to insure both 2018 models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,640 to $3,734 per year for a 2018 Ford F150, and $1,688 to $3,842 for a 2018 Toyota Tundra for the example age groups.

Out of 24 Ford F150 trim levels, the cheapest 2018 trim level to insure is the XL Regular Cab 4WD model at an average cost of $1,600 per year, or about $133 per month. Out of the 10 trim levels available for the Toyota Tundra, the cheapest 2018 trim to insure is the CrewMax SR5 4WD trim at a cost of $1,788.

When rates for all 34 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford F150 XL Regular Cab 4WD at an average of $1,600 per year. The most expensive model and trim level is the Ford F150 Limited Crew Cab 2WD costing an average of $2,138 per year.

The next two rate tables illustrate all the available trims for both 2018 models, including an overall average cost for each model. The model with the cheapest car insurance rates for 2018 is the Ford F150.

2017 Ford F150 vs Toyota Tundra

When comparing average insurance rates for the 2017 Ford F150 and Toyota Tundra models, the Ford F150 is cheaper by an average of $6 per year.

The chart below visualizes the average cost to insure the two models rated for drivers aged 20 to 50. For a 2017 Ford F150, the average car insurance cost ranges from $1,576 to $3,582 per year for the age groups used in this illustration. A 2017 Toyota Tundra costs from $1,584 to $3,598 to insure per year.

Out of 24 trims for the 2017 Ford F150, the cheapest rates are on the XL Regular Cab 4WD trim at a cost of $1,542 per year, or $129 per month. For the 26 trim levels available for the Toyota Tundra, the cheapest 2017 trim level to insure is the Double Cab SR 4WD trim at a cost of $1,666.

When rates for all 50 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,542 per year, and the most expensive trim is the Ford F150 Limited Crew Cab 2WD costing $2,018 per year.

The tables below display average car insurance rates for each trim level, including the average rate for each model.

2016 Ford F150 vs Toyota Tundra

For the 2016 Ford F150 and Toyota Tundra models, the Ford F150 has cheaper car insurance cost by an average of $174 per year for 2016.

The chart below visualizes the average cost to insure both models for drivers from age 20 to 50. Average car insurance cost ranges from $1,506 to $3,420 per year for a 2016 Ford F150, and $1,662 to $3,764 for a 2016 Toyota Tundra for these driver ages.

For the 22 trim levels available for the 2016 Ford F150, the cheapest trim level to insure is the XL Regular Cab 4WD trim at an average cost of $1,494 per year. For the 25 trims available for the Toyota Tundra, the cheapest 2016 model to insure is the Regular Cab 4WD trim at a cost of $1,732.

When all 47 trims of both models are combined and compared, the cheapest vehicle to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,494 per year, and the highest-cost model and trim is the Toyota Tundra CrewMax Platinum 2WD at an average cost of $2,050 per year.

The tables below show both 2016 models and all trim levels available for each one, along with the average rate for each model.

2015 Ford F150 vs Toyota Tundra

When comparing car insurance rates for 2015 models, a Ford F150 costs an average of $1,692 per year to insure and a Toyota Tundra costs $1,698, making the Ford F150 cheaper to insure by $6 per year for this model year.

The chart shown below illustrates the average cost to insure the two models for drivers aged 20 to 50. For a 2015 Ford F150, average insurance cost ranges from $1,514 to $3,450 per year for these driver ages. A 2015 Toyota Tundra costs from $1,518 to $3,432 to insure per year.

The 2015 Ford F150 has 20 trims available, with the cheapest trim to insure being the XL Regular Cab 2WD trim at an average cost of $1,490 per year, or about $124 per month. For the 25 trims available for the Toyota Tundra, the cheapest 2015 trim to insure is the Double Cab SR 2WD trim at a cost of $1,578.

When comparing rates by trim level for both models, the cheapest model and trim level to insure is the Ford F150 XL Regular Cab 2WD at a cost of $1,490 per year. The overall most expensive vehicle to insure is the Ford F150 Lariat Crew Cab Platinum Edition 2WD at an average cost of $1,854 per year.

The two tables below display the average cost to insure each trim level for a 2015 Ford F150 and Toyota Tundra, including the average rate for each model. The cheapest of the two models to insure for the 2015 model year is the Ford F150.

Additional Ford F150 and Toyota Tundra Resources

• Ford F150 Insurance Rates
• Toyota Tundra Insurance Rates
• Large Truck Insurance Rate Comparisons