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 2023 Toyota Tacoma has cheaper car insurance rates than a 2023 Toyota Tundra by an average of $242 per year, $1,614 compared to $1,856.
  • For a 2023 Toyota Tacoma, insurance rates range from $1,496 to $1,740 per year, while insurance on a 2023 Toyota Tundra ranges from $1,638 to $2,020 for full-coverage.
  • The SR Access Cab 4WD and SR Access Cab 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 on a 2023 Toyota Tacoma costs an average of $1,614 per year, and the 2023 Toyota Tundra costs an average of $1,856 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 $1,496 per year, or $125 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 $1,638 per year, or about $137 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 $1,496 per year, and the most expensive trim is the Toyota Tundra Capstone Crew Max Hybrid 4WD at an average cost of $2,020 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 Toyota Tacoma vs Toyota Tundra Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,496$125
$1,508$126
$1,532$128
$1,548$129
$1,548$129
$1,554$130
$1,558$130
$1,564$130
$1,570$131
$1,596$133
$1,610$134
$1,622$135
$1,622$135
$1,622$135
$1,636$136
$1,636$136
$1,638$137
$1,642$137
$1,654$138
$1,662$139
$1,674$140
$1,676$140
$1,692$141
$1,694$141
$1,700$142
$1,726$144
$1,728$144
$1,734$145
$1,740$145
$1,770$148
$1,774$148
$1,804$150
$1,816$151
$1,844$154
$1,852$154
$1,872$156
$1,874$156
$1,904$159
$1,914$160
$1,920$160
$1,938$162
$1,940$162
$1,944$162
$1,946$162
$1,962$164
$1,966$164
$1,986$166
$2,020$168

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Toyota Tacoma and a 2023 Toyota Tundra. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2023 Toyota Tacoma vs Toyota Tundra Insurance Cost by 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 $1,470 to $3,202 per year for the age groups used in this illustration.

A 2023 Toyota Tundra costs from $1,690 to $3,696 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2023 Toyota Tacoma and a 2023 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2023 Toyota Tacoma vs. 2023 Toyota Tundra Insurance Cost
2023 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$3,202$1,698$1,614$1,470
Toyota Tundra$3,696$1,966$1,856$1,690

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

$1,614

Insurance Rates by Trim Level for 2023 Toyota Tacoma
2023 Toyota Tacoma TrimsRate
SR Access Cab 4WD$1,496
SR Access Cab 2WD1,508
SR5 Access Cab 4WD1,532
SR Access Cab V6 4WD1,548
SR5 Access Cab 2WD1,548
SR Double Cab 2WD1,554
SR5 Double Cab 4WD1,558
SR Access Cab V6 2WD1,564
SR5 Double Cab 2WD1,570
SR5 Access Cab V6 4WD1,596
SR5 Double Cab 4WD1,610
SR5 Access Cab V6 2WD1,622
TRD Sport Access Cab 4WD1,622
TRD Off-Road Access Cab 4WD1,622
TRD Sport Double Cab 4WD1,636
TRD Off-Road Double Cab 4WD1,636
SR5 Double Cab V6 2WD1,642
TRD Sport Access Cab 2WD1,654
Trail Special Edition AWD1,662
TRD Off-Road Double Cab 2WD1,674
Limited AWD1,694
TRD Sport Double Cab 2WD1,700
TRD Pro AWD1,726
Limited 2WD1,740
2023 Toyota Tacoma Average Rate$1,614

2023 Toyota Tundra

$1,856

Insurance Rates by Trim Level for 2023 Toyota Tacoma
2023 Toyota Tundra TrimsRate
SR Double Cab 2WD$1,638
SR Crew Max 2WD1,676
SR Double Cab 4WD1,692
SR Crew Max 4WD1,728
SR5 Double Cab 2WD1,734
SR5 Crew Max 2WD1,770
SR5 Double Cab 4WD1,774
SR5 Crew Max 4WD1,804
Limited Double Cab 2WD1,816
Limited Crew Max 2WD1,844
Limited Double Cab 4WD1,852
Limited Crew Max 4WD1,872
Limited Crew Max Hybrid 2WD1,874
Limited Crew Max Hybrid 4WD1,904
Platinum Crew Max 2WD1,914
1794 Edition Crew Max 2WD1,920
Platinum Crew Max 4WD1,938
Platinum Crew Max Hybrid 2WD1,940
1794 Edition Crew Max 4WD1,944
1794 Edition Crew Max Hybrid 2WD1,946
Platinum Crew Max Hybrid 4WD1,962
1794 Edition Crew Max Hybrid 4WD1,966
TRD Pro Crew Max Hybrid 4WD1,986
Capstone Crew Max Hybrid 4WD2,020
2023 Toyota Tundra Average Rate$1,856

2022 Toyota Tacoma vs. Toyota Tundra

Average car insurance cost for a 2022 Toyota Tacoma is $1,614 per year, whereas insurance for the same year of Toyota Tundra costs an average of $1,856 per year. That’s a difference of $242 or 13.9%, which makes the Toyota Tacoma the cheaper truck to insure.

On a monthly basis, drivers can expect the Toyota Tacoma to average around $135 per month for full coverage insurance, while the Tundra averages about $155 per month.

For the 2020 model year, Tacoma insurance costs an average of $1,412 per year, while insurance on a 2020 Tundra costs $1,646. That’s a difference of $234, 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 Toyota Tacoma vs Toyota Tundra Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,400$117
$1,406$117
$1,426$119
$1,452$121
$1,452$121
$1,470$123
$1,510$126
$1,520$127
$1,524$127
$1,536$128
$1,536$128
$1,548$129
$1,554$130
$1,574$131
$1,578$132
$1,594$133
$1,596$133
$1,642$137
$1,644$137
$1,676$140
$1,710$143
$1,716$143
$1,722$144
$1,730$144
$1,734$145
$1,750$146
$1,776$148
$1,786$149
$1,808$151
$1,848$154
$1,852$154
$1,862$155
$1,870$156
$1,912$159
$1,948$162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Toyota Tacoma and a 2022 Toyota Tundra. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Toyota Tacoma and a 2022 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2022 Toyota Tacoma vs. 2022 Toyota Tundra Insurance Cost
2022 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$3,064$1,620$1,534$1,400
Toyota Tundra$3,548$1,878$1,782$1,624

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 $1,534 and the 2022 Tundra is $1,782, making the Toyota Tacoma cheaper by $248 per year.

2022 Toyota Tacoma

$1,534

Insurance Rates by Trim Level for 2022 Toyota Tacoma
2022 Toyota Tacoma TrimsRate
SR Access Cab 4WD$1,400
SR Access Cab 2WD1,406
SR Double Cab 2WD1,426
SR Access Cab V6 4WD1,452
SR5 Access Cab 2WD1,452
SR5 Double Cab 2WD1,470
SR5 Double Cab V6 4WD1,510
SR5 Access Cab V6 2WD1,520
TRD Sport Access Cab V6 4WD1,524
TRD Sport Double Cab V6 4WD1,536
TRD Off-Road Double Cab V6 4WD1,536
SR5 Double Cab V6 2WD1,548
TRD Sport Access Cab V6 2WD1,554
TRD Sport Double Cab V6 2WD1,574
TRD Off-Road Double Cab V6 2WD1,578
Limited Double Cab V6 4WD1,594
Limited Double Cab V6 2WD1,642
TRD Pro AWD Manual1,710
TRD Pro AWD Automatic1,734
2022 Toyota Tacoma Average Rate$1,534

2022 Toyota Tundra

$1,782

Insurance Rates by Trim Level for 2022 Toyota Tacoma
2022 Toyota Tundra TrimsRate
SR Double Cab 2WD$1,596
SR Double Cab 4WD1,644
SR5 Double Cab 2WD1,676
SR5 Crew Max 4WD1,716
SR5 Crew Max 2WD1,722
SR5 Double Cab 4WD1,730
Limited Double Cab 2WD1,750
Limited Crew Max 2WD1,776
Limited Double Cab 4WD1,786
Limited Crew Max 4WD1,808
Platinum Crew Max 2WD1,848
1794 Edition Crew Max 2WD1,852
Platinum Crew Max 4WD1,862
1794 Edition Crew Max 4WD1,870
TRD Pro Crew Max 4WD1,912
Capstone Crew Max 4WD1,948
2022 Toyota Tundra Average Rate$1,782

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 $238 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 $1,306 to $2,850 per year for a 2021 Toyota Tacoma, and $1,522 to $3,332 for a 2021 Toyota Tundra for the age groups used in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2021 Toyota Tacoma and a 2021 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2021 Toyota Tacoma vs. 2021 Toyota Tundra Insurance Cost
2021 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,850$1,512$1,432$1,306
Toyota Tundra$3,332$1,754$1,670$1,522

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 $1,312 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 $1,568 per year, or about $131 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 $1,312 per year. The most expensive vehicle to insure is the Toyota Tundra Crew Max TRD Pro 4WD at a cost of $1,748 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

$1,432

Insurance Rates by Trim Level for 2021 Toyota Tacoma
2021 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,312
Access Cab SR 4WD1,322
Access Cab SR5 4WD1,372
Double Cab SR 4WD1,372
Access Cab TRD Off-Road 4WD1,420
Access Cab TRD Sport 4WD1,420
Double Cab SR5 4WD1,420
Double Cab SR5 2WD1,434
Double Cab TRD Off-Road 4WD1,468
Double Cab TRD Sport 4WD1,468
Double Cab TRD Sport 2WD1,482
Double Cab Limited 4WD1,518
Double Cab TRD Pro 4WD1,518
Double Cab Limited 2WD1,532
2021 Toyota Tacoma Average Rate$1,432

2021 Toyota Tundra

$1,670

Insurance Rates by Trim Level for 2021 Toyota Tacoma
2021 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,568
Double Cab SR5 2WD1,568
Double Cab SR 4WD1,602
Double Cab SR5 4WD1,602
Crew Max SR5 2WD1,618
Crew Max SR5 4WD1,652
Crew Max Limited 2WD1,666
Double Cab Limited 2WD1,666
Crew Max Limited 4WD1,700
Double Cab Limited 4WD1,700
Double Cab TRD Pro 4WD1,700
Crew Max 1794 2WD1,714
Crew Max Platinum 2WD1,714
Crew Max 1794 4WD1,748
Crew Max Platinum 4WD1,748
Crew Max TRD Pro 4WD1,748
2021 Toyota Tundra Average Rate$1,670

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 $234 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 $1,288 to $2,814 per year for the driver ages used. A 2020 Toyota Tundra costs from $1,502 to $3,290 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Toyota Tacoma and a 2020 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2020 Toyota Tacoma vs. 2020 Toyota Tundra Insurance Cost
2020 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,814$1,490$1,412$1,288
Toyota Tundra$3,290$1,728$1,646$1,502

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 $1,296 per year, or around $108 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 $1,548 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 $1,296 per year. The most expensive model and trim level is the Toyota Tundra Crew Max TRD Pro 4WD at an average of $1,724 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

$1,412

Insurance Rates by Trim Level for 2020 Toyota Tacoma
2020 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,296
Access Cab SR 4WD1,304
Access Cab SR5 4WD1,352
Double Cab SR 4WD1,352
Access Cab TRD Off-Road 4WD1,398
Access Cab TRD Sport 4WD1,398
Double Cab SR5 4WD1,398
Double Cab SR5 2WD1,414
Double Cab TRD Off-Road 4WD1,446
Double Cab TRD Sport 4WD1,446
Double Cab TRD Sport 2WD1,462
Double Cab Limited 4WD1,494
Double Cab TRD Pro 4WD1,494
Double Cab Limited 2WD1,508
2020 Toyota Tacoma Average Rate$1,412

2020 Toyota Tundra

$1,646

Insurance Rates by Trim Level for 2020 Toyota Tacoma
2020 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,548
Double Cab SR5 2WD1,548
Double Cab SR 4WD1,580
Double Cab SR5 4WD1,580
Crew Max SR5 2WD1,594
Crew Max SR5 4WD1,628
Crew Max Limited 2WD1,642
Double Cab Limited 2WD1,642
Crew Max Limited 4WD1,676
Double Cab Limited 4WD1,676
Double Cab TRD Pro 4WD1,676
Crew Max 1794 2WD1,690
Crew Max Platinum 2WD1,690
Crew Max 1794 4WD1,724
Crew Max Platinum 4WD1,724
Crew Max TRD Pro 4WD1,724
2020 Toyota Tundra Average Rate$1,646

2019 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2019 models, a Toyota Tacoma costs an average of $1,374 per year to insure and a Toyota Tundra costs $1,540, making the Toyota Tacoma cheaper to insure by $166 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 $1,254 to $2,738 per year for a 2019 Toyota Tacoma, and $1,406 to $3,082 for a 2019 Toyota Tundra for the included age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Toyota Tacoma and a 2019 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2019 Toyota Tacoma vs. 2019 Toyota Tundra Insurance Cost
2019 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,738$1,448$1,374$1,254
Toyota Tundra$3,082$1,614$1,540$1,406

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 $1,266 per year, or $106 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 $1,446 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 $1,266 per year, and the highest-cost model and trim is the Toyota Tundra CrewMax Platinum 2WD costing $1,682 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

$1,374

Insurance Rates by Trim Level for 2019 Toyota Tacoma
2019 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,266
Access Cab SR 4WD1,270
Access Cab SR5 4WD1,316
Double Cab SR 4WD1,316
Access Cab TRD Off-Road 4WD1,364
Access Cab TRD Sport 4WD1,364
Double Cab SR5 4WD1,364
Double Cab SR5 2WD1,380
Double Cab TRD Off-Road 4WD1,408
Double Cab TRD Sport 4WD1,408
Double Cab TRD Sport 2WD1,424
Double Cab Limited 4WD1,454
Double Cab TRD Pro 4WD1,454
Double Cab Limited 2WD1,472
2019 Toyota Tacoma Average Rate$1,374

2019 Toyota Tundra

$1,540

Insurance Rates by Trim Level for 2019 Toyota Tacoma
2019 Toyota Tundra TrimsRate
Double Cab SR5 4WD$1,446
CrewMax SR5 4WD1,468
Double Cab Limited 4WD1,490
Double Cab SR5 2WD1,498
CrewMax SR5 2WD1,520
CrewMax Limited 4WD1,536
CrewMax Platinum 4WD1,582
CrewMax Limited 2WD1,590
Double Cab Limited 2WD1,590
CrewMax Platinum 2WD1,682
2019 Toyota Tundra Average Rate$1,540

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 $60 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 $1,416 to $3,104 per year for a 2018 Toyota Tacoma, and $1,362 to $2,990 for a 2018 Toyota Tundra for these driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Toyota Tacoma and a 2018 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2018 Toyota Tacoma vs. 2018 Toyota Tundra Insurance Cost
2018 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$3,104$1,622$1,550$1,416
Toyota Tundra$2,990$1,562$1,490$1,362

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 $1,388 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 $1,406.

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 $1,388 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD costing $1,682 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

$1,550

Insurance Rates by Trim Level for 2018 Toyota Tacoma
2018 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,388
Access Cab SR5 2WD1,430
Double Cab SR 2WD1,430
Access Cab SR 4WD1,478
Double Cab SR5 2WD1,504
Access Cab TRD Sport 2WD1,518
Access Cab SR5 4WD1,550
Double Cab SR 4WD1,550
Double Cab TRD Off-Road 2WD1,562
Double Cab TRD Sport 2WD1,562
Access Cab TRD Off-Road 4WD1,594
Access Cab TRD Sport 4WD1,594
Double Cab SR5 4WD1,594
Double Cab TRD Off-Road 4WD1,594
Double Cab TRD Sport 4WD1,594
Double Cab Limited 2WD1,608
Double Cab Limited 4WD1,682
Double Cab TRD Pro 4WD1,682
2018 Toyota Tacoma Average Rate$1,550

2018 Toyota Tundra

$1,490

Insurance Rates by Trim Level for 2018 Toyota Tacoma
2018 Toyota Tundra TrimsRate
CrewMax SR5 4WD$1,406
Double Cab SR5 4WD1,406
Double Cab Limited 4WD1,450
Double Cab SR5 2WD1,462
CrewMax Limited 4WD1,496
CrewMax Platinum 4WD1,496
CrewMax SR5 2WD1,504
CrewMax Limited 2WD1,550
Double Cab Limited 2WD1,550
CrewMax Platinum 2WD1,594
2018 Toyota Tundra Average Rate$1,490

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 $72 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 $1,342 to $2,936 per year for a 2017 Toyota Tacoma, and $1,276 to $2,798 for a 2017 Toyota Tundra for the driver ages used.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Toyota Tacoma and a 2017 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2017 Toyota Tacoma vs. 2017 Toyota Tundra Insurance Cost
2017 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,936$1,534$1,470$1,342
Toyota Tundra$2,798$1,462$1,398$1,276

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 $1,340 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 $1,312 per year, or $109 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 $1,312 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD at an average of $1,616 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

$1,470

Insurance Rates by Trim Level for 2017 Toyota Tacoma
2017 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,340
Double Cab SR 2WD1,340
Access Cab SR5 2WD1,380
Double Cab SR5 2WD1,380
Access Cab SR 4WD1,398
Double Cab SR 4WD1,452
Access Cab TRD Sport 2WD1,464
Double Cab TRD Off-Road 2WD1,464
Double Cab TRD Sport 2WD1,464
Access Cab SR5 4WD1,472
Access Cab TRD Sport 4WD1,494
Double Cab SR5 4WD1,494
Double Cab Limited 2WD1,506
Access Cab TRD Off-Road 4WD1,534
Double Cab TRD Off-Road 4WD1,534
Double Cab TRD Sport 4WD1,534
Double Cab Limited 4WD1,576
Double Cab TRD Pro 4WD1,616
2017 Toyota Tacoma Average Rate$1,470

2017 Toyota Tundra

$1,398

Insurance Rates by Trim Level for 2017 Toyota Tacoma
2017 Toyota Tundra TrimsRate
Double Cab SR 4WD$1,312
Regular Cab 4WD1,312
Regular Cab SR 4WD1,312
Double Cab SR 2WD1,328
Regular Cab 2WD1,328
Regular Cab SR 2WD1,328
CrewMax SR5 4WD1,352
Double Cab SR5 4WD1,352
SR/5 CrewMax 4WD1,352
SR/5 Double Cab 4WD1,352
Double Cab Limited 4WD1,396
Double Cab TRD Pro 4WD1,396
Limited CrewMax 4WD1,396
Limited Double Cab 4WD1,396
CrewMax SR5 2WD1,410
Double Cab SR5 2WD1,410
SR/5 CrewMax 2WD1,410
SR/5 Double Cab 2WD1,410
SR/5 Double Cab SR5 2WD1,410
CrewMax TRD Pro 4WD1,436
Limited Double Cab 2WD1,452
CrewMax 1794 4WD1,478
CrewMax Platinum 4WD1,478
Limited CrewMax 2WD1,494
CrewMax 1794 2WD1,534
CrewMax Platinum 2WD1,534
2017 Toyota Tundra Average Rate$1,398

2016 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2016 models, the Toyota Tacoma costs an average of $1,430 per year to insure and the Toyota Tundra costs $1,500, making the Toyota Tacoma the winner by $70 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 $1,306 to $2,864 per year for a 2016 Toyota Tacoma, and $1,372 to $3,004 for a 2016 Toyota Tundra for the age groups used in this illustration.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Toyota Tacoma and a 2016 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2016 Toyota Tacoma vs. 2016 Toyota Tundra Insurance Cost
2016 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,864$1,492$1,430$1,306
Toyota Tundra$3,004$1,564$1,500$1,372

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 $1,292 per year, or around $108 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 $1,398.

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 $1,292 per year, and the highest-cost model and trim level is the Toyota Tundra CrewMax Platinum 2WD at an average of $1,652 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

$1,430

Insurance Rates by Trim Level for 2016 Toyota Tacoma
2016 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,292
Access Cab SR5 2WD1,318
Double Cab SR 2WD1,330
Access Cab SR 4WD1,358
Double Cab SR5 2WD1,396
Access Cab TRD Sport 2WD1,410
Access Cab SR5 4WD1,436
Double Cab SR 4WD1,436
Double Cab TRD Off-Road 2WD1,448
Double Cab TRD Sport 2WD1,448
Access Cab TRD Off-Road 4WD1,476
Access Cab TRD Sport 4WD1,476
Double Cab SR5 4WD1,476
Double Cab Limited 2WD1,486
Double Cab TRD Sport 4WD1,494
Double Cab TRD Off-Road 4WD1,498
Double Cab Limited 4WD1,552
2016 Toyota Tacoma Average Rate$1,430

2016 Toyota Tundra

$1,500

Insurance Rates by Trim Level for 2016 Toyota Tacoma
2016 Toyota Tundra TrimsRate
Regular Cab 4WD$1,398
Regular Cab SR 4WD1,398
CrewMax SR5 4WD1,436
Double Cab SR 4WD1,436
Double Cab SR5 4WD1,436
SR/5 CrewMax 4WD1,436
SR/5 Double Cab 4WD1,436
Regular Cab 2WD1,458
Regular Cab SR 2WD1,458
CrewMax SR5 2WD1,498
Double Cab SR 2WD1,498
Double Cab SR5 2WD1,498
SR/5 CrewMax 2WD1,498
SR/5 Double Cab 2WD1,498
SR/5 Double Cab SR5 2WD1,498
Double Cab Limited 4WD1,512
Double Cab TRD Pro 4WD1,512
Limited CrewMax 4WD1,512
Limited Double Cab 4WD1,512
CrewMax 1794 4WD1,552
CrewMax Platinum 4WD1,552
Limited Double Cab 2WD1,574
Limited CrewMax 2WD1,612
CrewMax 1794 2WD1,652
CrewMax Platinum 2WD1,652
2016 Toyota Tundra Average Rate$1,500

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 $102 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 $1,166 to $2,540 per year for the age groups used in this illustration. A 2015 Toyota Tundra costs from $1,256 to $2,746 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Toyota Tacoma and a 2015 Toyota Tundra with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Tacoma and Toyota Tundra trim levels.Data last updated on February 17, 2023
2015 Toyota Tacoma vs. 2015 Toyota Tundra Insurance Cost
2015 Toyota Tacoma vs. Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,540$1,320$1,276$1,166
Toyota Tundra$2,746$1,432$1,378$1,256

Out of 13 Toyota Tacoma trims, the cheapest 2015 model to insure is the Access Cab 2WD trim at an average cost of $1,128 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 $1,284 per year, or about $107 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 $1,128 per year. The most expensive trim is the Toyota Tundra CrewMax Platinum 4WD costing $1,478 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

$1,276

Insurance Rates by Trim Level for 2015 Toyota Tacoma
2015 Toyota Tacoma TrimsRate
Access Cab 2WD$1,128
Double Cab 2WD1,164
Access Cab 4WD1,226
Access Cab TRD Off-Road 2WD1,236
Access Cab TRD Sport 2WD1,236
Access Cab TRD Off-Road 4WD1,262
Access Cab TRD Sport 4WD1,262
Double Cab 4WD1,262
Double Cab TRD Off-Road 4WD1,334
Double Cab TRD Sport 4WD1,334
Access Cab TRD Pro 4WD1,370
Double Cab Limited 4WD1,370
Double Cab TRD Pro 4WD1,404
2015 Toyota Tacoma Average Rate$1,276

2015 Toyota Tundra

$1,378

Insurance Rates by Trim Level for 2015 Toyota Tacoma
2015 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,284
Regular Cab 2WD1,284
Regular Cab SR 2WD1,284
Double Cab SR5 2WD1,322
SR/5 Double Cab 2WD1,322
CrewMax SR5 2WD1,326
SR/5 Double Cab SR5 2WD1,326
Regular Cab 4WD1,334
Regular Cab SR 4WD1,334
SR/5 CrewMax 2WD1,356
CrewMax SR5 4WD1,370
Double Cab SR 4WD1,370
Double Cab SR5 4WD1,370
SR/5 Double Cab 4WD1,370
Limited CrewMax 2WD1,392
Limited Double Cab 2WD1,392
SR/5 CrewMax 4WD1,404
CrewMax Platinum 2WD1,436
Double Cab Limited 4WD1,440
Limited CrewMax 4WD1,440
Limited Double Cab 4WD1,440
Double Cab TRD Pro 4WD1,446
CrewMax 1794 2WD1,460
CrewMax 1794 4WD1,478
CrewMax Platinum 4WD1,478
2015 Toyota Tundra Average Rate$1,378

Additional Toyota Tacoma and Toyota Tundra Resources