Toyota Tacoma vs. Tundra Insurance Cost

• A 2024 Toyota Tacoma has cheaper car insurance rates than a 2024 Toyota Tundra by an average of $428 per year, $2,428 compared to $2,856.
• For a 2024 Toyota Tacoma, insurance rates range from $2,204 to $2,672 per year, while insurance on a 2024 Toyota Tundra ranges from $2,548 to $3,096 for full-coverage.
• The SR XtraCab 2WD and SR5 XtraCab 2WD trims are the cheapest Toyota Tacoma models to insure, while the SR Double Cab 2WD and SR Crew Max 2WD trims are the cheapest Toyota Tundra models to insure.

Is insurance cheaper on a Toyota Tacoma or Tundra?

Insurance rates on a 2024 Toyota Tacoma cost an average of $2,428 per year, and a 2024 Toyota Tundra averages $2,856 per year, making the Toyota Tacoma the winner by $428 per year.

Out of 19 Toyota Tacoma trim levels, the cheapest 2024 model to insure is the SR XtraCab 2WD model at an average cost of $2,204 per year. Out of the 24 trims available for the Toyota Tundra, the cheapest 2024 trim level to insure is the SR Double Cab 2WD model at a cost of $2,548.

When looking at the aggregated rates by trim for both models, the most affordable model and trim level is the Toyota Tacoma SR XtraCab 2WD at an average cost of $2,204 per year, and the most expensive vehicle to insure is the Toyota Tundra Capstone Crew Max Hybrid 4WD at a cost of $3,096 per year.

The rate table below ranks the 12-month and monthly car insurance cost for 2024 Toyota Tacoma and Toyota Tundra models, showing average premium cost for each trim level.

The rate chart below illustrates the average cost to insure both 2024 models for four different driver age groups. For a 2024 Toyota Tacoma, average insurance cost ranges from $2,162 to $4,916 per year for the example age groups. A 2024 Toyota Tundra costs from $2,528 to $5,820 to insure per year.

The next two rate tables illustrate all the available trims for both 2024 models, including the average rate for each model.

2023 Toyota Tacoma vs. Toyota Tundra

Insurance on a 2023 Toyota Tacoma costs an average of $2,130 per year, and the 2023 Toyota Tundra costs an average of $2,456 per year, making the Toyota Tacoma the model with lower average car insurance rates.

For the 24 trims available for the 2023 Toyota Tacoma, the cheapest trim to insure is the SR Access Cab 4WD model at an average cost of $1,978 per year, or $165 per month.

Out of the 24 trims 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 per year, or about $180 per month.

When all 48 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Toyota Tacoma SR Access Cab 4WD at an average cost of $1,978 per year, and the most expensive trim is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average cost of $2,678 per year.

The rate table below ranks the annual and monthly cost of car insurance for 2023 Toyota Tacoma and Toyota Tundra models, showing average cost for each trim level.

The rate chart below demonstrates the average cost to insure the two models for a range of driver ages.

For a 2023 Toyota Tacoma, the average car insurance cost ranges from $1,890 to $4,286 per year for the age groups used in this illustration.

A 2023 Toyota Tundra costs from $2,168 to $4,952 to insure per year.

The rate tables below show average car insurance cost by trim level for each 2023 model, plus an average rate for each model. The 2023 Toyota Tacoma wins the head-to-head comparison over the 2023 Toyota Tundra for cheapest car insurance rates.

2022 Toyota Tacoma vs. Toyota Tundra

Average car insurance cost for a 2022 Toyota Tacoma is $2,130 per year, whereas insurance for the same year of Toyota Tundra costs an average of $2,456 per year. That’s a difference of $326 or 14.2%, which makes the Toyota Tacoma the cheaper truck to insure.

On a monthly basis, drivers can expect the Toyota Tacoma to average around $178 per month for full coverage insurance, while the Tundra averages about $205 per month.

For the 2020 model year, Tacoma insurance costs an average of $1,844 per year, while insurance on a 2020 Tundra costs $2,142. That’s a difference of $298, which again makes the midsize Toyota Tacoma the cheapest Toyota truck to insure.

For the 2015 to 2019 model years, the Tacoma is cheaper to insure than the Tundra in 2015, 2016, and 2019, but in 2017 and 2018 the Tundra squeaks out lower-cost average car insurance rates.

The next sections break down average car insurance rates for both Toyota pickup models. The chart in each section compares average overall rates, while the tables break out rates for each individual trim level for each truck.

2022 Toyota Tacoma vs Tundra

The table below compares annual and monthly insurance cost for a 2022 Toyota Tacoma and Toyota Tundra. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of individual models.

The chart below compares the average cost of Toyota Tacoma insurance to Toyota Tundra insurance for the 2022 model years and different driver age groups.

The tables below detail insurance rates for all trim levels of 2022 Tacoma and Tundra models. The 2022 Toyota Tacoma has an average insurance cost of $2,034 and the 2022 Tundra is $2,358, making the Toyota Tacoma cheaper by $324 per year.

2021 Toyota Tacoma vs. Toyota Tundra

For the 2021 Toyota Tacoma and Toyota Tundra models, the Toyota Tacoma has cheaper car insurance rates by an average of $304 per year.

The next chart shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. Average insurance cost ranges from $1,682 to $3,832 per year for a 2021 Toyota Tacoma, and $1,958 to $4,470 for a 2021 Toyota Tundra for the age groups used in the chart.

Out of 14 trims for the 2021 Toyota Tacoma, the cheapest auto insurance rates are on the Access Cab SR5 2WD trim at a cost of $1,732 per year.

For the 16 trim levels available for the Toyota Tundra, the cheapest 2021 trim level to insure is the Double Cab SR 2WD model at a cost of $2,070 per year, or about $173 per month.

When rates for all 30 trim levels for both vehicles are compared, the cheapest trim to insure is the Toyota Tacoma Access Cab SR5 2WD at an average cost of $1,732 per year. The most expensive vehicle to insure is the Toyota Tundra Crew Max TRD Pro 4WD at a cost of $2,314 per year.

The tables below show average car insurance cost by trim level for a 2021 Toyota Tacoma and Toyota Tundra, as well as the overall average rate for each model. The model with the cheapest overall car insurance cost for 2021 is the Toyota Tacoma.

2020 Toyota Tacoma vs. Tundra

When comparing insurance cost for the 2020 Toyota Tacoma and Toyota Tundra models, the Toyota Tacoma has cheaper rates by an average of $298 per year.

The chart shown below displays the average cost to insure both models for drivers from age 20 to 50. For a 2020 Toyota Tacoma, the average cost of car insurance ranges from $1,632 to $3,714 per year for the driver ages used. A 2020 Toyota Tundra costs from $1,902 to $4,338 to insure per year.

The 2020 Toyota Tacoma has 14 trim levels available, with the cheapest trim level to insure being the Access Cab SR5 2WD model at an average cost of $1,682 per year, or around $140 per month. The 2020 Toyota Tundra has 16 trims available, with the cheapest trim to insure being the Double Cab SR 2WD trim at an average cost of $2,010 per year.

When comparing rates by trim level for both models, the lowest-cost model and trim to insure is the Toyota Tacoma Access Cab SR5 2WD at an average of $1,682 per year. The most expensive model and trim level is the Toyota Tundra Crew Max TRD Pro 4WD at an average of $2,246 per year.

The tables shown below display the expected annual car insurance cost by trim level for both 2020 models, including the average rate for each model.

2019 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2019 models, a Toyota Tacoma costs an average of $1,784 per year to insure and a Toyota Tundra costs $1,992, making the Toyota Tacoma cheaper to insure by $208 per year.

The chart below illustrates the average cost to insure the two models for a range of driver ages. The average cost of car insurance ranges from $1,580 to $3,604 per year for a 2019 Toyota Tacoma, and $1,770 to $4,050 for a 2019 Toyota Tundra for the included age groups.

Out of 14 trim levels for the 2019 Toyota Tacoma, the cheapest rates are on the Access Cab SR5 2WD trim at a cost of $1,634 per year, or $136 per month. The 2019 Toyota Tundra has 10 trim levels available, with the cheapest trim level to insure being the Double Cab SR5 4WD trim at an average cost of $1,872 per year.

When rates for all 24 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Toyota Tacoma Access Cab SR5 2WD at an average rate of $1,634 per year, and the highest-cost model and trim is the Toyota Tundra CrewMax Platinum 2WD costing $2,176 per year.

The tables below show average cost to insure each trim level for a 2019 Toyota Tacoma and Toyota Tundra, including an overall average cost for each model. The winner for the 2019 car insurance cost comparison is the Toyota Tacoma.

2018 Toyota Tacoma vs. Tundra

When comparing car insurance rates for the 2018 Toyota Tacoma and Toyota Tundra models, the Toyota Tundra is cheaper by an average of $76 per year for this model year.

The chart shown below demonstrates the average cost to insure both models rated for a variety of different driver ages. The average cost of car insurance ranges from $1,750 to $3,986 per year for a 2018 Toyota Tacoma, and $1,688 to $3,842 for a 2018 Toyota Tundra for these driver ages.

Out of 18 trim levels for the 2018 Toyota Tacoma, the cheapest car insurance rates are on the Access Cab SR 2WD trim at a cost of $1,756 per year. For the 10 trim levels available for the Toyota Tundra, the cheapest 2018 trim level to insure is the CrewMax SR5 4WD trim at a cost of $1,788.

When insurance prices for all 28 trim levels for both 2018 models are compared, the cheapest model and trim level to insure is the Toyota Tacoma Access Cab SR 2WD at an average cost of $1,756 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD costing $2,138 per year.

The next two rate tables show all the available trims for both 2018 models, including the average rate for each model.

2017 Toyota Tacoma vs. Tundra

For the 2017 Toyota Tacoma and Toyota Tundra models, the Toyota Tundra has cheaper car insurance cost by an average of $88 per year for this model year.

The chart shown below visualizes the average cost to insure the two models with different ages of drivers. Average insurance cost ranges from $1,662 to $3,772 per year for a 2017 Toyota Tacoma, and $1,584 to $3,598 for a 2017 Toyota Tundra for the driver ages used.

Out of 18 trims for the 2017 Toyota Tacoma, the cheapest auto insurance rates are on the Access Cab SR 2WD model at a cost of $1,694 per year. The 2017 Toyota Tundra has 26 trims available, with the cheapest trim to insure being the Double Cab SR 4WD model at an average cost of $1,666 per year, or $139 per month.

When comparing both models at a trim-level basis, the most affordable model and trim level to insure is the Toyota Tundra Double Cab SR 4WD at a cost of $1,666 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD at an average of $2,056 per year.

The next two rate tables illustrate average car insurance cost by trim level for a 2017 Toyota Tacoma and Toyota Tundra, including an overall average rate. The winner for the 2017 car insurance rate comparison is the Toyota Tundra.

2016 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2016 models, the Toyota Tacoma costs an average of $1,768 per year to insure and the Toyota Tundra costs $1,862, making the Toyota Tacoma the winner by $94 for this model year.

The next chart shows the average cost to insure both 2016 models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,580 to $3,578 per year for a 2016 Toyota Tacoma, and $1,662 to $3,764 for a 2016 Toyota Tundra for the age groups used in this illustration.

Out of 17 Toyota Tacoma trim levels, the cheapest 2016 trim level to insure is the Access Cab SR 2WD model at an average cost of $1,592 per year, or around $133 per month.

Out of the 25 trims available for the Toyota Tundra, the cheapest 2016 model to insure is the Regular Cab 4WD model at a cost of $1,732.

When comparing car insurance rates for both models by trim level, the cheapest trim to insure is the Toyota Tacoma Access Cab SR 2WD at an average rate of $1,592 per year, and the highest-cost model and trim level is the Toyota Tundra CrewMax Platinum 2WD at an average of $2,050 per year.

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

2015 Toyota Tacoma vs. Tundra

For 2015 Toyota Tacoma and Toyota Tundra models, the Toyota Tacoma has cheaper car insurance rates by an average of $130 per year.

The next chart illustrates the average cost to insure both 2015 models using drivers aged 20 to 50. For a 2015 Toyota Tacoma, insurance cost ranges from $1,406 to $3,168 per year for the age groups used in this illustration. A 2015 Toyota Tundra costs from $1,518 to $3,432 to insure per year.

Out of 13 Toyota Tacoma trims, the cheapest 2015 model to insure is the Access Cab 2WD trim at an average cost of $1,380 per year. The 2015 Toyota Tundra has 25 trim levels available, with the cheapest trim to insure being the Double Cab SR 2WD trim at an average cost of $1,578 per year, or about $132 per month.

When rates are compared for the 38 trim levels of both 2015 models, the lowest-cost model and trim to insure is the Toyota Tacoma Access Cab 2WD at a cost of $1,380 per year. The most expensive trim is the Toyota Tundra CrewMax Platinum 4WD costing $1,824 per year.

The tables shown below show the average cost to insure all 2015 trim levels, plus the average rate for each model. The 2015 Toyota Tacoma can declare victory over the 2015 Toyota Tundra for the cheapest overall car insurance rates.

Additional Toyota Tacoma and Toyota Tundra Resources

• Toyota Tacoma Insurance Rates
• Toyota Tundra Insurance Rates
• Midsize Truck Insurance Rate Comparisons
• Large Truck Insurance Rate Comparisons