Toyota Highlander vs. Tundra Insurance Rates Compared

• At a cost of $1,728 per year on average, a 2024 Toyota Highlander costs less to insure than a 2024 Toyota Tundra by $530 per year.
• For the 2024 Toyota Highlander, average insurance rates range from $1,588 to $1,874 per year, while insurance for the 2024 Toyota Tundra costs from $2,016 to $2,448.
• If the cheapest car insurance rates are a high priority, the LE 2WD and Hybrid LE 2WD trims are the cheapest Toyota Highlander models to insure, while the SR Double Cab 2WD and SR Crew Max 2WD trim levels are the most affordable Toyota Tundra models to insure.

Is a Toyota Highlander or Tundra cheaper to insure?

When comparing 2024 Toyota Highlander and Toyota Tundra models, the cheaper model to insure on average is the Toyota Highlander. Insurance on a Toyota Highlander costs an average of $1,728 per year, and insurance for a Toyota Tundra averages $2,258 per year.

For the 20 trim levels available for the 2024 Toyota Highlander, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,588 per year, or $132 per month.

For the 24 trim levels available for the Toyota Tundra, the cheapest 2024 trim to insure is the SR Double Cab 2WD trim at a cost of $2,016 per year, or $168 per month.

When rates for all 44 trim levels for both vehicles are compared, the lowest-cost model and trim is the Toyota Highlander LE 2WD at an average cost of $1,588 per year, and the most expensive model and trim level is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average cost of $2,448 per year.

The table shown below compares the annual and monthly cost of car insurance for 2024 Toyota Highlander and Toyota Tundra models, showing average cost by trim level for each model.

The chart below illustrates the average cost to insure both 2024 models with different ages of drivers. For a 2024 Toyota Highlander, insurance cost ranges from $1,524 to $3,460 per year for the included driver ages. A 2024 Toyota Tundra costs from $2,000 to $4,602 to insure per year.

The next tables show the expected annual car insurance cost by trim level for both 2024 models, including an overall average rate. The 2024 Toyota Highlander has cheaper overall car insurance rates than the 2024 Toyota Tundra.

2023 Toyota Highlander vs. Toyota Tundra

For the 2023 model year, the model having more affordable car insurance is the Toyota Highlander. Average car insurance rates for the Toyota Highlander are $1,844 per year, while insurance for a Toyota Tundra averages $1,942 per year.

For a 2023 Toyota Highlander, average insurance rates range from the lowest rate of $1,616 per year for the L 2WD model up to $2,070 for the Hybrid Platinum AWD model.

For a 2023 Toyota Tundra, rates range from $1,712 per year on the SR Double Cab 2WD model up to $2,118 for the Capstone Crew Max Hybrid 4WD model.

For a 2023 Toyota Highlander, the cheapest trim levels to insure are the L 2WD, L AWD, and LE 2WD. The most affordable Toyota Tundra trim levels to insure include the SR Double Cab 2WD, SR Crew Max 2WD, and SR Double Cab 4WD.

From a monthly standpoint, car insurance rates for all 2023 Toyota Highlander and Toyota Tundra trim levels range from $135 to $177 per month.

The table below compares and ranks the annual and monthly cost of car insurance for 2023 Toyota Highlander and Toyota Tundra models, showing the price to insure every trim level.

The rate chart below illustrates the average insurance cost for both 2023 models rated for multiple driver ages. A full-coverage car insurance policy ranges from $1,630 to $3,742 per year for the 2023 Toyota Highlander, and $1,716 to $3,918 for the 2023 Toyota Tundra for the different drivers illustrated in the chart.

Out of 22 trims for a 2023 Toyota Highlander, the cheapest car insurance rates are on the L 2WD model at a cost of $1,616 per year.

For the 24 different trims available for a Toyota Tundra, the most affordable 2023 trim level to insure is the SR Double Cab 2WD model at a cost of $1,712 per year, or $143 per month.

When average insurance prices for all 46 trim levels for the 2023 model year of both models are compared, the cheapest trim to insure is the Toyota Highlander L 2WD at an average cost of $1,616 per year, and the most expensive trim is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average cost of $2,118 per year.

The next two tables show average insurance rates by trim level for a 2023 Toyota Highlander and Toyota Tundra, plus the average rate for each model.

2022 Toyota Highlander vs. Toyota Tundra

When comparing insurance cost for the 2022 Toyota Highlander and Toyota Tundra models, the Toyota Highlander is cheaper to insure by $124 per year.

The chart shown below displays the average insurance cost for both 2022 models with different driver age groups. For a 2022 Toyota Highlander, the average cost of car insurance ranges from $1,540 to $3,540 per year for the age groups used in the chart. Auto insurance for a 2022 Toyota Tundra ranges from $1,654 to $3,766 on average per year.

For the 22 trim levels available for the 2022 Toyota Highlander, the lowest-cost model to insure is the L 2WD trim at an average cost of $1,530 per year, or around $128 per month.

The 2022 Toyota Tundra has 16 option levels available, with the lowest-cost trim level to insure being the SR Double Cab 2WD model at an average cost of $1,668 per year.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure is the Toyota Highlander L 2WD at an average of $1,530 per year. The highest-cost model and trim is the Toyota Tundra Capstone Crew Max 4WD costing an average of $2,048 per year.

The two tables below show the average cost to insure all 2022 trim levels, including an overall average cost for each model. The 2022 Toyota Highlander takes the win over the 2022 Toyota Tundra for the cheapest auto insurance rates.

2021 Toyota Highlander vs. Toyota Tundra

For the 2021 Toyota Highlander and Toyota Tundra models, the Toyota Tundra has cheaper car insurance cost by an average of $44 per year.

The next chart shows the average insurance cost for the two models with different ages of drivers. The average full-coverage insurance policy ranges from $1,588 to $3,652 per year on the 2021 Toyota Highlander, and $1,550 to $3,536 for a 2021 Toyota Tundra for the five age groups shown in the chart.

Out of 17 trims for the 2021 Toyota Highlander, the most affordable rates are on the L 2WD trim at a cost of $1,574 per year, or $131 per month.

For the 16 trim options available for a Toyota Tundra, the cheapest 2021 trim level to insure is the Double Cab SR 2WD trim at a cost of $1,636.

When all 33 trims of both models are combined and compared, the cheapest trim to insure is the Toyota Highlander L 2WD at an average of $1,574 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,062 per year.

The rate tables below detail the average insurance cost by trim level for both 2021 models, along with the average rate for each model. The cheapest model to insure for the 2021 model year is the Toyota Tundra.

2020 Toyota Highlander vs. Toyota Tundra

A 2020 Toyota Tundra costs $40 less per year to insure per year on average than a 2020 Toyota Highlander, a difference of 2.3%.

The following chart illustrates the average insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. Average full-coverage insurance ranges from $1,542 to $3,542 per year for the 2020 Toyota Highlander, and $1,508 to $3,432 for a 2020 Toyota Tundra for the age groups used in the chart.

For the 17 trims available for a 2020 Toyota Highlander, the cheapest model to insure is the L 2WD trim at an average cost of $1,526 per year, or around $127 per month. For the 16 trim and option levels available for a Toyota Tundra, the most affordable 2020 trim level to insure is the Double Cab SR 2WD model at a cost of $1,590 per year, or around $133 per month.

When comparing rates by trim level for both models, the cheapest model and trim level to put coverage on is the Toyota Highlander L 2WD at an average cost of $1,526 per year, and the overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $1,998 per year.

The next two rate tables display the average cost to insure all 2020 trim levels, along with the average rate for each model. The 2020 Toyota Tundra has more affordable average car insurance than the 2020 Toyota Highlander.

2019 Toyota Highlander vs. Toyota Tundra

For the 2019 Toyota Highlander and Toyota Tundra models, the Toyota Tundra has cheaper car insurance cost by $54 per year.

The chart below displays the average car insurance cost for the two models for four different driver age groups. Average full-coverage insurance ranges from $1,446 to $3,328 per year for the 2019 Toyota Highlander, and $1,400 to $3,204 for the 2019 Toyota Tundra for these driver ages.

Out of 17 trims for a 2019 Toyota Highlander, the cheapest rates are on the LE 2WD model at a cost of $1,466 per year. For the 10 trims available for a Toyota Tundra, the most affordable 2019 trim package to insure is the Double Cab SR5 4WD model at a cost of $1,480 per year, or around $123 per month.

When rates for all 27 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Toyota Highlander LE 2WD at a cost of $1,466 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Limited Platinum 4WD at an average of $1,788 per year.

The tables shown below illustrate the average insurance cost by trim level for both 2019 models, as well as an average rate for each model. The winner for the 2019 car insurance cost comparison is the Toyota Tundra.

2018 Toyota Highlander vs. Toyota Tundra

For the 2018 Toyota Highlander and Toyota Tundra models, the Toyota Tundra costs less to insure by an average of $62 per year.

The chart shown below illustrates the average insurance cost for both models for different driver ages. The average full-coverage insurance policy ranges from $1,384 to $3,174 per year on a 2018 Toyota Highlander, and $1,334 to $3,040 on a 2018 Toyota Tundra for the chosen age groups in the chart.

The 2018 Toyota Highlander has 16 trims available, with the most affordable trim to insure being the LE 2WD trim at an average cost of $1,402 per year. For the 10 different trim levels available for the Toyota Tundra, the lowest-cost 2018 trim package to insure is the CrewMax SR5 4WD trim at a cost of $1,416.

When rates are compared for the 26 trims of both 2018 models, the cheapest vehicle to buy insurance for is the Toyota Highlander LE 2WD at an average cost of $1,402 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Limited 4WD at an average of $1,728 per year.

The next two rate tables display average car insurance rates for each trim level, including an overall average cost for each model. The cheapest of the two models to insure for the 2018 model year is the Toyota Tundra.

2017 Toyota Highlander vs. Toyota Tundra

When comparing insurance cost for 2017 models, the Toyota Highlander costs an average of $1,484 per year for a full-coverage policy and the Toyota Tundra costs $1,406, making the Toyota Tundra the cheaper model by $78 for this comparison year.

The chart below visualizes the average insurance cost for both models using a range of rated driver ages. Average full-coverage insurance ranges from $1,320 to $3,020 per year on the 2017 Toyota Highlander, and $1,252 to $2,846 on a 2017 Toyota Tundra for the different drivers illustrated in the chart.

Out of 14 trims for a 2017 Toyota Highlander, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,350 per year. The 2017 Toyota Tundra has 26 trim and option levels available, and the lowest-cost model to insure is the Double Cab SR 4WD model at an average cost of $1,320 per year, or $110 per month.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim to put coverage on is the Toyota Tundra Double Cab SR 4WD at a cost of $1,320 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $1,644 per year.

The next two tables show average car insurance rates for every trim level for both 2017 models, along with the average rate for each model. The 2017 Toyota Tundra is the winner over the 2017 Toyota Highlander for the cheapest overall car insurance cost.

2016 Toyota Highlander vs. Toyota Tundra

When comparing car insurance rates for 2016 models, a Toyota Highlander costs an average of $1,464 per year to insure while a Toyota Tundra costs $1,466, making the Toyota Highlander cheaper to insure by $2 per year.

The chart below demonstrates the average car insurance cost for both 2016 models rated for different driver ages. For the 2016 Toyota Highlander, the average car insurance cost ranges from $1,306 to $2,968 per year for the age groups used in the chart. Car insurance for a 2016 Toyota Tundra ranges from $1,310 to $2,970 on average per year.

For the 12 trim levels available for the 2016 Toyota Highlander, the most affordable model to insure is the LE 2WD model at an average cost of $1,326 per year, or about $111 per month.

The 2016 Toyota Tundra has 25 different trim levels available, with the lowest-cost trim to insure being the Regular Cab 4WD model at an average cost of $1,364 per year.

When rates are compared for the 37 different trim levels of both 2016 models, the lowest-cost model and trim level to put coverage on is the Toyota Highlander LE 2WD at an average rate of $1,326 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $1,644 per year.

The next two rate tables break down average car insurance cost by trim level for each 2016 model, including an overall average cost for each model. The winner for the 2016 car insurance battle is the Toyota Highlander.

2015 Toyota Highlander vs. Toyota Tundra

When comparing average insurance rates for the 2015 Toyota Highlander and Toyota Tundra models, the Toyota Highlander is cheaper to insure by $32 per year for this model year.

The chart below shows the average cost to insure both models using drivers aged 20 to 50. For a 2015 Toyota Highlander, insurance cost ranges from $1,172 to $2,656 per year for the age groups used in the chart. Full-coverage insurance on the 2015 Toyota Tundra costs from $1,202 to $2,714 on average per year.

For the 12 trim levels available for a 2015 Toyota Highlander, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,184 per year.

For the 25 trim and option levels available for a Toyota Tundra, the most affordable 2015 trim level to insure is the Double Cab SR 2WD model at a cost of $1,252 per year, or around $104 per month.

When trim-level rates for both models are compared, the cheapest trim to insure is the Toyota Highlander LE 2WD at an average cost of $1,184 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at an average of $1,518 per year.

The tables shown below detail trim level insurance cost averages for both 2015 models, plus an average rate for each model. The cheapest model to insure for the 2015 model year is the Toyota Highlander.

Additional Toyota Highlander and Toyota Tundra Resources

• Toyota Highlander Insurance Cost
• Toyota Tundra Insurance Cost
• Midsize SUV Insurance Cost Comparisons
• Large Truck Insurance Cost Comparisons