Toyota Tacoma vs. Tundra Insurance Cost

Does the midsize Tacoma or full-size Tundra have cheaper car insurance rates? We compared rates for all trims on both the Tacoma and Tundra back to 2015 to find out.

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  • A 2024 Toyota Tacoma has cheaper car insurance rates than a 2024 Toyota Tundra by an average of $416 per year, $2,372 compared to $2,788.
  • For a 2024 Toyota Tacoma, insurance rates range from $2,150 to $2,610 per year, while insurance on a 2024 Toyota Tundra ranges from $2,488 to $3,022 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 $2,372 per year, and a 2024 Toyota Tundra averages $2,788 per year, making the Toyota Tacoma the winner by $416 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 $2,150 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 $2,488.

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 $2,150 per year, and the most expensive vehicle to insure is the Toyota Tundra Capstone Crew Max Hybrid 4WD at a cost of $3,022 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.

2024 Model Year Toyota Tacoma vs. Toyota Tundra Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,150$179
$2,210$184
$2,214$185
$2,234$186
$2,250$188
$2,298$192
$2,336$195
$2,340$195
$2,346$196
$2,376$198
$2,402$200
$2,408$201
$2,438$203
$2,438$203
$2,466$206
$2,472$206
$2,488$207
$2,514$210
$2,550$213
$2,562$214
$2,564$214
$2,610$218
$2,612$218
$2,618$218
$2,662$222
$2,678$223
$2,718$227
$2,738$228
$2,772$231
$2,780$232
$2,814$235
$2,820$235
$2,860$238
$2,866$239
$2,878$240
$2,902$242
$2,910$243
$2,914$243
$2,922$244
$2,942$245
$2,946$246
$2,968$247
$3,022$252

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Toyota Tacoma and a 2024 Toyota Tundra
Annual and monthly insurance cost by trim level for a 2024 Toyota Tacoma and a 2024 Toyota Tundra

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 $2,110 to $4,794 per year for the example age groups. A 2024 Toyota Tundra costs from $2,466 to $5,678 to insure per year.

Average car insurance premiums for 2024 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$7,380$8,773
20-Year-Old$4,794$5,678
25-Year-Old$2,752$3,246
30-Year-Old$2,524$2,978
40-Year-Old$2,372$2,788
50-Year-Old$2,110$2,466
60-Year-Old$1,974$2,314

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

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

2024 Toyota Tacoma

$2,372

Insurance Rates by Trim Level for a 2024 Toyota Tacoma
2024 Toyota Tacoma TrimsRate
SR XtraCab 2WD$2,150
SR5 XtraCab 2WD2,210
SR Double Cab 2WD2,214
SR5 Double Cab 2WD2,234
SR XtraCab 4WD2,250
SR5 XtraCab 4WD2,298
SR5 Double Cab 4WD2,336
SR5 Double Cab V6 2WD2,340
TRD PreRunner2,346
TRD Off-Road Double Cab 2WD2,376
SR5 Double Cab 4WD2,402
TRD Sport Double Cab 2WD2,408
TRD Sport Double Cab 4WD2,438
TRD Off-Road Double Cab 4WD2,438
Limited 2WD2,466
Trail Special Edition AWD2,472
Limited AWD2,514
TRD Pro AWD2,562
Trailhunter2,610
2024 Toyota Tacoma Average Rate$2,372

2024 Toyota Tundra

$2,788

Insurance Rates by Trim Level for 2024 Toyota Tacoma
2024 Toyota Tundra TrimsRate
SR Double Cab 2WD$2,488
SR Crew Max 2WD2,550
SR Double Cab 4WD2,564
SR Crew Max 4WD2,612
SR5 Double Cab 2WD2,618
SR5 Crew Max 2WD2,662
SR5 Double Cab 4WD2,678
SR5 Crew Max 4WD2,718
Limited Double Cab 2WD2,738
Limited Crew Max 2WD2,772
Limited Double Cab 4WD2,780
Limited Crew Max 4WD2,814
Limited Crew Max Hybrid 2WD2,820
Limited Crew Max Hybrid 4WD2,860
Platinum Crew Max 2WD2,866
1794 Edition Crew Max 2WD2,878
Platinum Crew Max 4WD2,902
1794 Edition Crew Max 4WD2,910
Platinum Crew Max Hybrid 2WD2,914
1794 Edition Crew Max Hybrid 2WD2,922
Platinum Crew Max Hybrid 4WD2,942
1794 Edition Crew Max Hybrid 4WD2,946
TRD Pro Crew Max Hybrid 4WD2,968
Capstone Crew Max Hybrid 4WD3,022
2024 Toyota Tundra Average Rate$2,788

2023 Toyota Tacoma vs. Toyota Tundra

Insurance on a 2023 Toyota Tacoma costs an average of $2,078 per year, and the 2023 Toyota Tundra costs an average of $2,398 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 $1,932 per year, or $161 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 $2,114 per year, or about $176 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 $1,932 per year, and the most expensive trim is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average cost of $2,614 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.

2023 Model Year Toyota Tacoma vs. Toyota Tundra Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,932$161
$1,942$162
$1,978$165
$1,996$166
$1,998$167
$2,004$167
$2,012$168
$2,018$168
$2,024$169
$2,060$172
$2,082$174
$2,090$174
$2,094$175
$2,094$175
$2,114$176
$2,114$176
$2,114$176
$2,118$177
$2,132$178
$2,148$179
$2,160$180
$2,166$181
$2,188$182
$2,188$182
$2,194$183
$2,228$186
$2,234$186
$2,240$187
$2,248$187
$2,288$191
$2,294$191
$2,334$195
$2,348$196
$2,384$199
$2,394$200
$2,420$202
$2,422$202
$2,460$205
$2,476$206
$2,482$207
$2,508$209
$2,510$209
$2,514$210
$2,516$210
$2,538$212
$2,542$212
$2,568$214
$2,614$218

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Toyota Tacoma and a 2023 Toyota Tundra
Annual and monthly insurance cost by trim level for a 2023 Toyota Tacoma and a 2023 Toyota Tundra

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 $1,848 to $4,184 per year for the age groups used in this illustration.

A 2023 Toyota Tundra costs from $2,118 to $4,834 to insure per year.

Average car insurance premiums for 2023 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$6,422$7,450
20-Year-Old$4,184$4,834
25-Year-Old$2,416$2,786
30-Year-Old$2,218$2,564
40-Year-Old$2,078$2,398
50-Year-Old$1,848$2,118
60-Year-Old$1,730$1,984

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

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.

2023 Toyota Tacoma

$2,078

Insurance Rates by Trim Level for a 2023 Toyota Tacoma
2023 Toyota Tacoma TrimsRate
SR Access Cab 4WD$1,932
SR Access Cab 2WD1,942
SR5 Access Cab 4WD1,978
SR5 Access Cab 2WD1,996
SR Access Cab V6 4WD1,998
SR Double Cab 2WD2,004
SR5 Double Cab 4WD2,012
SR Access Cab V6 2WD2,018
SR5 Double Cab 2WD2,024
SR5 Access Cab V6 4WD2,060
SR5 Double Cab 4WD2,082
SR5 Access Cab V6 2WD2,090
TRD Sport Access Cab 4WD2,094
TRD Off-Road Access Cab 4WD2,094
TRD Sport Double Cab 4WD2,114
TRD Off-Road Double Cab 4WD2,114
SR5 Double Cab V6 2WD2,118
TRD Sport Access Cab 2WD2,132
Trail Special Edition AWD2,148
TRD Off-Road Double Cab 2WD2,160
Limited AWD2,188
TRD Sport Double Cab 2WD2,194
TRD Pro AWD2,228
Limited 2WD2,248
2023 Toyota Tacoma Average Rate$2,078

2023 Toyota Tundra

$2,398

Insurance Rates by Trim Level for 2023 Toyota Tacoma
2023 Toyota Tundra TrimsRate
SR Double Cab 2WD$2,114
SR Crew Max 2WD2,166
SR Double Cab 4WD2,188
SR Crew Max 4WD2,234
SR5 Double Cab 2WD2,240
SR5 Crew Max 2WD2,288
SR5 Double Cab 4WD2,294
SR5 Crew Max 4WD2,334
Limited Double Cab 2WD2,348
Limited Crew Max 2WD2,384
Limited Double Cab 4WD2,394
Limited Crew Max 4WD2,420
Limited Crew Max Hybrid 2WD2,422
Limited Crew Max Hybrid 4WD2,460
Platinum Crew Max 2WD2,476
1794 Edition Crew Max 2WD2,482
Platinum Crew Max 4WD2,508
Platinum Crew Max Hybrid 2WD2,510
1794 Edition Crew Max 4WD2,514
1794 Edition Crew Max Hybrid 2WD2,516
Platinum Crew Max Hybrid 4WD2,538
1794 Edition Crew Max Hybrid 4WD2,542
TRD Pro Crew Max Hybrid 4WD2,568
Capstone Crew Max Hybrid 4WD2,614
2023 Toyota Tundra Average Rate$2,398

2022 Toyota Tacoma vs. Toyota Tundra

Average car insurance cost for a 2022 Toyota Tacoma is $2,078 per year, whereas insurance for the same year of Toyota Tundra costs an average of $2,398 per year. That’s a difference of $320 or 14.3%, which makes the Toyota Tacoma the cheaper truck to insure.

On a monthly basis, drivers can expect the Toyota Tacoma to average around $173 per month for full coverage insurance, while the Tundra averages about $200 per month.

For the 2020 model year, Tacoma insurance costs an average of $1,798 per year, while insurance on a 2020 Tundra costs $2,094. That’s a difference of $296, 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.

2022 Model Year Toyota Tacoma vs. Toyota Tundra Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,810$151
$1,816$151
$1,840$153
$1,874$156
$1,880$157
$1,898$158
$1,956$163
$1,962$164
$1,974$165
$1,990$166
$1,990$166
$2,002$167
$2,008$167
$2,034$170
$2,040$170
$2,058$172
$2,066$172
$2,122$177
$2,124$177
$2,162$180
$2,214$185
$2,216$185
$2,222$185
$2,236$186
$2,244$187
$2,262$189
$2,294$191
$2,308$192
$2,334$195
$2,388$199
$2,396$200
$2,416$201
$2,428$202
$2,482$207
$2,526$211

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included.

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.

Average car insurance premiums for 2022 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$6,196$7,148
20-Year-Old$4,018$4,646
25-Year-Old$2,308$2,678
30-Year-Old$2,120$2,456
40-Year-Old$1,988$2,304
50-Year-Old$1,758$2,040
60-Year-Old$1,648$1,912

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

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 $1,988 and the 2022 Tundra is $2,304, making the Toyota Tacoma cheaper by $316 per year.

2022 Toyota Tacoma

$1,988

Insurance Rates by Trim Level for a 2022 Toyota Tacoma
2022 Toyota Tacoma TrimsRate
SR Access Cab 4WD$1,810
SR Access Cab 2WD1,816
SR Double Cab 2WD1,840
SR5 Access Cab 2WD1,874
SR Access Cab V6 4WD1,880
SR5 Double Cab 2WD1,898
SR5 Double Cab V6 4WD1,956
SR5 Access Cab V6 2WD1,962
TRD Sport Access Cab V6 4WD1,974
TRD Sport Double Cab V6 4WD1,990
TRD Off-Road Double Cab V6 4WD1,990
SR5 Double Cab V6 2WD2,002
TRD Sport Access Cab V6 2WD2,008
TRD Sport Double Cab V6 2WD2,034
TRD Off-Road Double Cab V6 2WD2,040
Limited Double Cab V6 4WD2,066
Limited Double Cab V6 2WD2,122
TRD Pro AWD Manual2,214
TRD Pro AWD Automatic2,244
2022 Toyota Tacoma Average Rate$1,988

2022 Toyota Tundra

$2,304

Insurance Rates by Trim Level for 2022 Toyota Tacoma
2022 Toyota Tundra TrimsRate
SR Double Cab 2WD$2,058
SR Double Cab 4WD2,124
SR5 Double Cab 2WD2,162
SR5 Crew Max 4WD2,216
SR5 Crew Max 2WD2,222
SR5 Double Cab 4WD2,236
Limited Double Cab 2WD2,262
Limited Crew Max 2WD2,294
Limited Double Cab 4WD2,308
Limited Crew Max 4WD2,334
Platinum Crew Max 2WD2,388
1794 Edition Crew Max 2WD2,396
Platinum Crew Max 4WD2,416
1794 Edition Crew Max 4WD2,428
TRD Pro Crew Max 4WD2,482
Capstone Crew Max 4WD2,526
2022 Toyota Tundra Average Rate$2,304

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 $300 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 $1,642 to $3,742 per year for a 2021 Toyota Tacoma, and $1,912 to $4,364 for a 2021 Toyota Tundra for the age groups used in the chart.

Average car insurance premiums for 2021 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,764$6,716
20-Year-Old$3,742$4,364
25-Year-Old$2,154$2,504
30-Year-Old$1,980$2,294
40-Year-Old$1,854$2,154
50-Year-Old$1,642$1,912
60-Year-Old$1,540$1,790

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

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 $1,692 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 $2,020 per year, or about $168 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 $1,692 per year. The most expensive vehicle to insure is the Toyota Tundra Crew Max TRD Pro 4WD at a cost of $2,260 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.

2021 Toyota Tacoma

$1,854

Insurance Rates by Trim Level for a 2021 Toyota Tacoma
2021 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,692
Access Cab SR 4WD1,712
Access Cab SR5 4WD1,776
Double Cab SR 4WD1,776
Access Cab TRD Off-Road 4WD1,842
Access Cab TRD Sport 4WD1,842
Double Cab SR5 4WD1,842
Double Cab SR5 2WD1,854
Double Cab TRD Off-Road 4WD1,906
Double Cab TRD Sport 4WD1,906
Double Cab TRD Sport 2WD1,916
Double Cab Limited 4WD1,970
Double Cab TRD Pro 4WD1,970
Double Cab Limited 2WD1,982
2021 Toyota Tacoma Average Rate$1,854

2021 Toyota Tundra

$2,154

Insurance Rates by Trim Level for 2021 Toyota Tacoma
2021 Toyota Tundra TrimsRate
Double Cab SR 2WD$2,020
Double Cab SR5 2WD2,020
Double Cab SR 4WD2,066
Double Cab SR5 4WD2,066
Crew Max SR5 2WD2,086
Crew Max SR5 4WD2,132
Crew Max Limited 2WD2,150
Double Cab Limited 2WD2,150
Crew Max Limited 4WD2,194
Double Cab Limited 4WD2,194
Double Cab TRD Pro 4WD2,194
Crew Max 1794 2WD2,214
Crew Max Platinum 2WD2,214
Crew Max 1794 4WD2,260
Crew Max Platinum 4WD2,260
Crew Max TRD Pro 4WD2,260
2021 Toyota Tundra Average Rate$2,154

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 $296 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 $1,594 to $3,626 per year for the driver ages used. A 2020 Toyota Tundra costs from $1,858 to $4,234 to insure per year.

Average car insurance premiums for 2020 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,585$6,515
20-Year-Old$3,626$4,234
25-Year-Old$2,088$2,432
30-Year-Old$1,920$2,224
40-Year-Old$1,798$2,094
50-Year-Old$1,594$1,858
60-Year-Old$1,494$1,740

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

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 $1,644 per year, or around $137 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 $1,964 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 $1,644 per year. The most expensive model and trim level is the Toyota Tundra Crew Max TRD Pro 4WD at an average of $2,194 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.

2020 Toyota Tacoma

$1,798

Insurance Rates by Trim Level for a 2020 Toyota Tacoma
2020 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,644
Access Cab SR 4WD1,660
Access Cab SR5 4WD1,724
Double Cab SR 4WD1,724
Access Cab TRD Off-Road 4WD1,784
Access Cab TRD Sport 4WD1,784
Double Cab SR5 4WD1,784
Double Cab SR5 2WD1,798
Double Cab TRD Off-Road 4WD1,846
Double Cab TRD Sport 4WD1,846
Double Cab TRD Sport 2WD1,860
Double Cab Limited 4WD1,908
Double Cab TRD Pro 4WD1,908
Double Cab Limited 2WD1,920
2020 Toyota Tacoma Average Rate$1,798

2020 Toyota Tundra

$2,094

Insurance Rates by Trim Level for 2020 Toyota Tacoma
2020 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,964
Double Cab SR5 2WD1,964
Double Cab SR 4WD2,006
Double Cab SR5 4WD2,006
Crew Max SR5 2WD2,024
Crew Max SR5 4WD2,068
Crew Max Limited 2WD2,086
Double Cab Limited 2WD2,086
Crew Max Limited 4WD2,130
Double Cab Limited 4WD2,130
Double Cab TRD Pro 4WD2,130
Crew Max 1794 2WD2,150
Crew Max Platinum 2WD2,150
Crew Max 1794 4WD2,194
Crew Max Platinum 4WD2,194
Crew Max TRD Pro 4WD2,194
2020 Toyota Tundra Average Rate$2,094

2019 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2019 models, a Toyota Tacoma costs an average of $1,742 per year to insure and a Toyota Tundra costs $1,944, making the Toyota Tacoma cheaper to insure by $202 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 $1,544 to $3,518 per year for a 2019 Toyota Tacoma, and $1,728 to $3,952 for a 2019 Toyota Tundra for the included age groups.

Average car insurance premiums for 2019 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,423$6,094
20-Year-Old$3,518$3,952
25-Year-Old$2,020$2,258
30-Year-Old$1,858$2,068
40-Year-Old$1,742$1,944
50-Year-Old$1,544$1,728
60-Year-Old$1,448$1,620

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

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 $1,594 per year, or $133 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 $1,828 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 $1,594 per year, and the highest-cost model and trim is the Toyota Tundra CrewMax Platinum 2WD costing $2,124 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.

2019 Toyota Tacoma

$1,742

Insurance Rates by Trim Level for a 2019 Toyota Tacoma
2019 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,594
Access Cab SR 4WD1,610
Access Cab SR5 4WD1,668
Double Cab SR 4WD1,668
Access Cab TRD Off-Road 4WD1,728
Access Cab TRD Sport 4WD1,728
Double Cab SR5 4WD1,728
Double Cab SR5 2WD1,744
Double Cab TRD Off-Road 4WD1,786
Double Cab TRD Sport 4WD1,786
Double Cab TRD Sport 2WD1,804
Double Cab Limited 4WD1,846
Double Cab TRD Pro 4WD1,846
Double Cab Limited 2WD1,864
2019 Toyota Tacoma Average Rate$1,742

2019 Toyota Tundra

$1,944

Insurance Rates by Trim Level for 2019 Toyota Tacoma
2019 Toyota Tundra TrimsRate
Double Cab SR5 4WD$1,828
CrewMax SR5 4WD1,858
Double Cab Limited 4WD1,886
Double Cab SR5 2WD1,888
CrewMax SR5 2WD1,918
CrewMax Limited 4WD1,946
CrewMax Platinum 4WD2,004
CrewMax Limited 2WD2,006
Double Cab Limited 2WD2,006
CrewMax Platinum 2WD2,124
2019 Toyota Tundra Average Rate$1,944

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 $74 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 $1,710 to $3,890 per year for a 2018 Toyota Tacoma, and $1,646 to $3,750 for a 2018 Toyota Tundra for these driver ages.

Average car insurance premiums for 2018 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,982$5,772
20-Year-Old$3,890$3,750
25-Year-Old$2,232$2,146
30-Year-Old$2,040$1,964
40-Year-Old$1,922$1,848
50-Year-Old$1,710$1,646
60-Year-Old$1,602$1,540

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

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 $1,714 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 $1,746.

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 $1,714 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD costing $2,086 per year.

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

2018 Toyota Tacoma

$1,922

Insurance Rates by Trim Level for a 2018 Toyota Tacoma
2018 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,714
Access Cab SR5 2WD1,770
Double Cab SR 2WD1,770
Access Cab SR 4WD1,828
Double Cab SR5 2WD1,862
Access Cab TRD Sport 2WD1,882
Access Cab SR5 4WD1,920
Double Cab SR 4WD1,920
Double Cab TRD Off-Road 2WD1,938
Double Cab TRD Sport 2WD1,938
Access Cab TRD Off-Road 4WD1,978
Access Cab TRD Sport 4WD1,978
Double Cab SR5 4WD1,978
Double Cab TRD Off-Road 4WD1,978
Double Cab TRD Sport 4WD1,978
Double Cab Limited 2WD1,994
Double Cab Limited 4WD2,086
Double Cab TRD Pro 4WD2,086
2018 Toyota Tacoma Average Rate$1,922

2018 Toyota Tundra

$1,848

Insurance Rates by Trim Level for 2018 Toyota Tacoma
2018 Toyota Tundra TrimsRate
CrewMax SR5 4WD$1,746
Double Cab SR5 4WD1,746
Double Cab Limited 4WD1,802
Double Cab SR5 2WD1,808
CrewMax Limited 4WD1,858
CrewMax Platinum 4WD1,858
CrewMax SR5 2WD1,866
CrewMax Limited 2WD1,920
Double Cab Limited 2WD1,920
CrewMax Platinum 2WD1,978
2018 Toyota Tundra Average Rate$1,848

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 $1,622 to $3,682 per year for a 2017 Toyota Tacoma, and $1,546 to $3,512 for a 2017 Toyota Tundra for the driver ages used.

Average car insurance premiums for 2017 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2017 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,658$5,407
20-Year-Old$3,682$3,512
25-Year-Old$2,112$2,014
30-Year-Old$1,930$1,842
40-Year-Old$1,820$1,732
50-Year-Old$1,622$1,546
60-Year-Old$1,518$1,446

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 26, 2025

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 $1,656 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 $1,630 per year, or $136 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 $1,630 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD at an average of $2,008 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.

2017 Toyota Tacoma

$1,820

Insurance Rates by Trim Level for a 2017 Toyota Tacoma
2017 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,656
Double Cab SR 2WD1,656
Access Cab SR5 2WD1,710
Double Cab SR5 2WD1,710
Access Cab SR 4WD1,730
Double Cab SR 4WD1,798
Access Cab TRD Sport 2WD1,814
Double Cab TRD Off-Road 2WD1,814
Double Cab TRD Sport 2WD1,814
Access Cab SR5 4WD1,824
Access Cab TRD Sport 4WD1,852
Double Cab SR5 4WD1,852
Double Cab Limited 2WD1,868
Access Cab TRD Off-Road 4WD1,904
Double Cab TRD Off-Road 4WD1,904
Double Cab TRD Sport 4WD1,904
Double Cab Limited 4WD1,956
Double Cab TRD Pro 4WD2,008
2017 Toyota Tacoma Average Rate$1,820

2017 Toyota Tundra

$1,732

Insurance Rates by Trim Level for 2017 Toyota Tacoma
2017 Toyota Tundra TrimsRate
Double Cab SR 4WD$1,630
Regular Cab 4WD1,630
Regular Cab SR 4WD1,630
Double Cab SR 2WD1,640
Regular Cab 2WD1,640
Regular Cab SR 2WD1,640
CrewMax SR5 4WD1,682
Double Cab SR5 4WD1,682
SR/5 CrewMax 4WD1,682
SR/5 Double Cab 4WD1,682
Double Cab Limited 4WD1,736
Double Cab TRD Pro 4WD1,736
Limited CrewMax 4WD1,736
Limited Double Cab 4WD1,736
CrewMax SR5 2WD1,746
Double Cab SR5 2WD1,746
SR/5 CrewMax 2WD1,746
SR/5 Double Cab 2WD1,746
SR/5 Double Cab SR5 2WD1,746
CrewMax TRD Pro 4WD1,788
Limited Double Cab 2WD1,798
CrewMax 1794 4WD1,840
CrewMax Platinum 4WD1,840
Limited CrewMax 2WD1,852
CrewMax 1794 2WD1,904
CrewMax Platinum 2WD1,904
2017 Toyota Tundra Average Rate$1,732

2016 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2016 models, the Toyota Tacoma costs an average of $1,728 per year to insure and the Toyota Tundra costs $1,814, making the Toyota Tacoma the winner by $86 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 $1,544 to $3,492 per year for a 2016 Toyota Tacoma, and $1,622 to $3,676 for a 2016 Toyota Tundra for the age groups used in this illustration.

Average car insurance premiums for 2016 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2016 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$5,362$5,647
20-Year-Old$3,492$3,676
25-Year-Old$2,004$2,108
30-Year-Old$1,830$1,926
40-Year-Old$1,728$1,814
50-Year-Old$1,544$1,622
60-Year-Old$1,444$1,516

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 26, 2025

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 $1,558 per year, or around $130 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 $1,692.

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 $1,558 per year, and the highest-cost model and trim level is the Toyota Tundra CrewMax Platinum 2WD at an average of $2,000 per year.

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

2016 Toyota Tacoma

$1,728

Insurance Rates by Trim Level for a 2016 Toyota Tacoma
2016 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,558
Access Cab SR5 2WD1,590
Double Cab SR 2WD1,604
Access Cab SR 4WD1,636
Double Cab SR5 2WD1,684
Access Cab TRD Sport 2WD1,702
Access Cab SR5 4WD1,734
Double Cab SR 4WD1,734
Double Cab TRD Off-Road 2WD1,748
Double Cab TRD Sport 2WD1,748
Access Cab TRD Off-Road 4WD1,782
Access Cab TRD Sport 4WD1,782
Double Cab SR5 4WD1,782
Double Cab Limited 2WD1,798
Double Cab TRD Sport 4WD1,806
Double Cab TRD Off-Road 4WD1,810
Double Cab Limited 4WD1,880
2016 Toyota Tacoma Average Rate$1,728

2016 Toyota Tundra

$1,814

Insurance Rates by Trim Level for 2016 Toyota Tacoma
2016 Toyota Tundra TrimsRate
Regular Cab 4WD$1,692
Regular Cab SR 4WD1,692
CrewMax SR5 4WD1,740
Double Cab SR 4WD1,740
Double Cab SR5 4WD1,740
SR/5 CrewMax 4WD1,740
SR/5 Double Cab 4WD1,740
Regular Cab 2WD1,758
Regular Cab SR 2WD1,758
CrewMax SR5 2WD1,808
Double Cab SR 2WD1,808
Double Cab SR5 2WD1,808
SR/5 CrewMax 2WD1,808
SR/5 Double Cab 2WD1,808
SR/5 Double Cab SR5 2WD1,808
Double Cab Limited 4WD1,836
Double Cab TRD Pro 4WD1,836
Limited CrewMax 4WD1,836
Limited Double Cab 4WD1,836
CrewMax 1794 4WD1,884
CrewMax Platinum 4WD1,884
Limited Double Cab 2WD1,902
Limited CrewMax 2WD1,952
CrewMax 1794 2WD2,000
CrewMax Platinum 2WD2,000
2016 Toyota Tundra Average Rate$1,814

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 $126 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 $1,374 to $3,094 per year for the age groups used in this illustration. A 2015 Toyota Tundra costs from $1,484 to $3,352 to insure per year.

Average car insurance premiums for 2015 Toyota Tacoma and Toyota Tundra models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Toyota Tacoma and Toyota Tundra models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Toyota Tacoma and Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Driver Age Toyota Tacoma Toyota Tundra
18-Year-Old$4,733$5,135
20-Year-Old$3,094$3,352
25-Year-Old$1,774$1,924
30-Year-Old$1,618$1,756
40-Year-Old$1,534$1,660
50-Year-Old$1,374$1,484
60-Year-Old$1,286$1,388

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

Out of 13 Toyota Tacoma trims, the cheapest 2015 model to insure is the Access Cab 2WD trim at an average cost of $1,350 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 $1,544 per year, or about $129 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 $1,350 per year. The most expensive trim is the Toyota Tundra CrewMax Platinum 4WD costing $1,782 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.

2015 Toyota Tacoma

$1,534

Insurance Rates by Trim Level for a 2015 Toyota Tacoma
2015 Toyota Tacoma TrimsRate
Access Cab 2WD$1,350
Double Cab 2WD1,394
Access Cab 4WD1,470
Access Cab TRD Off-Road 2WD1,482
Access Cab TRD Sport 2WD1,482
Access Cab TRD Off-Road 4WD1,516
Access Cab TRD Sport 4WD1,516
Double Cab 4WD1,516
Double Cab TRD Off-Road 4WD1,604
Double Cab TRD Sport 4WD1,604
Access Cab TRD Pro 4WD1,650
Double Cab Limited 4WD1,650
Double Cab TRD Pro 4WD1,694
2015 Toyota Tacoma Average Rate$1,534

2015 Toyota Tundra

$1,660

Insurance Rates by Trim Level for 2015 Toyota Tacoma
2015 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,544
Regular Cab 2WD1,544
Regular Cab SR 2WD1,544
Double Cab SR5 2WD1,590
SR/5 Double Cab 2WD1,590
CrewMax SR5 2WD1,596
SR/5 Double Cab SR5 2WD1,596
Regular Cab 4WD1,604
Regular Cab SR 4WD1,604
SR/5 CrewMax 2WD1,634
CrewMax SR5 4WD1,650
Double Cab SR 4WD1,650
Double Cab SR5 4WD1,650
SR/5 Double Cab 4WD1,650
Limited CrewMax 2WD1,678
Limited Double Cab 2WD1,678
SR/5 CrewMax 4WD1,694
CrewMax Platinum 2WD1,730
Double Cab Limited 4WD1,738
Limited CrewMax 4WD1,738
Limited Double Cab 4WD1,738
Double Cab TRD Pro 4WD1,744
CrewMax 1794 2WD1,762
CrewMax 1794 4WD1,782
CrewMax Platinum 4WD1,782
2015 Toyota Tundra Average Rate$1,660

Additional Toyota Tacoma and Toyota Tundra Resources