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 2022 Toyota Tacoma has cheaper car insurance rates than a 2022 Toyota Tundra by an average of $226 per year, $1,414 compared to $1,640.
  • For a 2022 Toyota Tacoma, insurance rates range from $1,290 to $1,602 per year, while insurance on a 2022 Toyota Tundra ranges from $1,466 to $1,796 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 Double Cab 4WD trims are the cheapest Toyota Tundra models to insure.

Is insurance cheaper on a Toyota Tacoma or Tundra?

Average car insurance cost for a 2022 Toyota Tacoma is $1,414 per year, whereas insurance for the same year of Toyota Tundra costs an average of $1,640 per year. That’s a difference of $226 or 13.8%, which makes the Toyota Tacoma the cheaper truck to insure.

On a monthly basis, drivers can expect the Toyota Tacoma to average around $118 per month for full coverage insurance, while the Tundra averages about $137 per month.

For the 2020 model year, Tacoma insurance costs an average of $1,290 per year, while insurance on a 2020 Tundra costs $1,500. That’s a difference of $210, 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
$1,290$108
$1,296$108
$1,314$110
$1,336$111
$1,340$112
$1,356$113
$1,394$116
$1,400$117
$1,408$117
$1,420$118
$1,420$118
$1,428$119
$1,434$120
$1,452$121
$1,456$121
$1,466$122
$1,472$123
$1,514$126
$1,514$126
$1,542$129
$1,580$132
$1,580$132
$1,584$132
$1,594$133
$1,602$134
$1,614$135
$1,630$136
$1,640$137
$1,660$138
$1,702$142
$1,702$142
$1,714$143
$1,726$144
$1,762$147
$1,796$150

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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 December 5, 2022
2022 Toyota Tacoma vs. 2022 Toyota Tundra Insurance Cost
2022 Toyota Tacoma vs. 2022 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,822$1,496$1,414$1,292
Toyota Tundra$3,262$1,730$1,640$1,492

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 $1,414 and the 2022 Tundra is $1,640, making the Toyota Tacoma cheaper by $226 per year.

2022 Toyota Tacoma

$1,414

Insurance Rates by Trim Level for 2022 Toyota Tacoma
2022 Toyota Tacoma TrimsRate
SR Access Cab 4WD$1,290
SR Access Cab 2WD1,296
SR Double Cab 2WD1,314
SR5 Access Cab 2WD1,336
SR Access Cab V6 4WD1,340
SR5 Double Cab 2WD1,356
SR5 Double Cab V6 4WD1,394
SR5 Access Cab V6 2WD1,400
TRD Sport Access Cab V6 4WD1,408
TRD Sport Double Cab V6 4WD1,420
TRD Off-Road Double Cab V6 4WD1,420
SR5 Double Cab V6 2WD1,428
TRD Sport Access Cab V6 2WD1,434
TRD Sport Double Cab V6 2WD1,452
TRD Off-Road Double Cab V6 2WD1,456
Limited Double Cab V6 4WD1,472
Limited Double Cab V6 2WD1,514
TRD Pro AWD Manual1,580
TRD Pro AWD Automatic1,602
2022 Toyota Tacoma Average Rate$1,414

2022 Toyota Tundra

$1,640

Insurance Rates by Trim Level for 2022 Toyota Tacoma
2022 Toyota Tundra TrimsRate
SR Double Cab 2WD$1,466
SR Double Cab 4WD1,514
SR5 Double Cab 2WD1,542
SR5 Crew Max 4WD1,580
SR5 Crew Max 2WD1,584
SR5 Double Cab 4WD1,594
Limited Double Cab 2WD1,614
Limited Crew Max 2WD1,630
Limited Double Cab 4WD1,640
Limited Crew Max 4WD1,660
Platinum Crew Max 2WD1,702
1794 Edition Crew Max 2WD1,702
Platinum Crew Max 4WD1,714
1794 Edition Crew Max 4WD1,726
TRD Pro Crew Max 4WD1,762
Capstone Crew Max 4WD1,796
2022 Toyota Tundra Average Rate$1,640

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 $212 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 $1,200 to $2,612 per year for a 2021 Toyota Tacoma, and $1,394 to $3,048 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 December 5, 2022
2021 Toyota Tacoma vs. 2021 Toyota Tundra Insurance Cost
2021 Toyota Tacoma vs. 2021 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,612$1,388$1,316$1,200
Toyota Tundra$3,048$1,608$1,528$1,394

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 $1,200 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 $1,434 per year, or about $120 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 $1,200 per year. The most expensive vehicle to insure is the Toyota Tundra Crew Max TRD Pro 4WD at a cost of $1,602 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 cheapest overall car insurance cost for 2021 is the Toyota Tacoma.

2021 Toyota Tacoma

$1,316

Insurance Rates by Trim Level for 2021 Toyota Tacoma
2021 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,200
Access Cab SR 4WD1,214
Access Cab SR5 4WD1,260
Double Cab SR 4WD1,260
Access Cab TRD Off-Road 4WD1,304
Access Cab TRD Sport 4WD1,304
Double Cab SR5 4WD1,304
Double Cab SR5 2WD1,316
Double Cab TRD Off-Road 4WD1,348
Double Cab TRD Sport 4WD1,348
Double Cab TRD Sport 2WD1,360
Double Cab Limited 4WD1,394
Double Cab TRD Pro 4WD1,394
Double Cab Limited 2WD1,404
2021 Toyota Tacoma Average Rate$1,316

2021 Toyota Tundra

$1,528

Insurance Rates by Trim Level for 2021 Toyota Tacoma
2021 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,434
Double Cab SR5 2WD1,434
Double Cab SR 4WD1,464
Double Cab SR5 4WD1,464
Crew Max SR5 2WD1,478
Crew Max SR5 4WD1,510
Crew Max Limited 2WD1,524
Double Cab Limited 2WD1,524
Crew Max Limited 4WD1,556
Double Cab Limited 4WD1,556
Double Cab TRD Pro 4WD1,556
Crew Max 1794 2WD1,570
Crew Max Platinum 2WD1,570
Crew Max 1794 4WD1,602
Crew Max Platinum 4WD1,602
Crew Max TRD Pro 4WD1,602
2021 Toyota Tundra Average Rate$1,528

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 $210 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 $1,176 to $2,564 per year for the driver ages used. A 2020 Toyota Tundra costs from $1,370 to $2,996 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 December 5, 2022
2020 Toyota Tacoma vs. 2020 Toyota Tundra Insurance Cost
2020 Toyota Tacoma vs. 2020 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,564$1,360$1,290$1,176
Toyota Tundra$2,996$1,576$1,500$1,370

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 $1,182 per year, or around $99 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 $1,408 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 $1,182 per year. The most expensive model and trim level is the Toyota Tundra Crew Max TRD Pro 4WD at an average of $1,570 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

$1,290

Insurance Rates by Trim Level for 2020 Toyota Tacoma
2020 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,182
Access Cab SR 4WD1,190
Access Cab SR5 4WD1,234
Double Cab SR 4WD1,234
Access Cab TRD Off-Road 4WD1,278
Access Cab TRD Sport 4WD1,278
Double Cab SR5 4WD1,278
Double Cab SR5 2WD1,290
Double Cab TRD Off-Road 4WD1,322
Double Cab TRD Sport 4WD1,322
Double Cab TRD Sport 2WD1,334
Double Cab Limited 4WD1,366
Double Cab TRD Pro 4WD1,366
Double Cab Limited 2WD1,378
2020 Toyota Tacoma Average Rate$1,290

2020 Toyota Tundra

$1,500

Insurance Rates by Trim Level for 2020 Toyota Tacoma
2020 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,408
Double Cab SR5 2WD1,408
Double Cab SR 4WD1,440
Double Cab SR5 4WD1,440
Crew Max SR5 2WD1,452
Crew Max SR5 4WD1,482
Crew Max Limited 2WD1,496
Double Cab Limited 2WD1,496
Crew Max Limited 4WD1,528
Double Cab Limited 4WD1,528
Double Cab TRD Pro 4WD1,528
Crew Max 1794 2WD1,540
Crew Max Platinum 2WD1,540
Crew Max 1794 4WD1,570
Crew Max Platinum 4WD1,570
Crew Max TRD Pro 4WD1,570
2020 Toyota Tundra Average Rate$1,500

2019 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2019 models, a Toyota Tacoma costs an average of $1,270 per year to insure and a Toyota Tundra costs $1,420, making the Toyota Tacoma cheaper to insure by $150 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 $1,160 to $2,530 per year for a 2019 Toyota Tacoma, and $1,296 to $2,842 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 December 5, 2022
2019 Toyota Tacoma vs. 2019 Toyota Tundra Insurance Cost
2019 Toyota Tacoma vs. 2019 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,530$1,340$1,270$1,160
Toyota Tundra$2,842$1,492$1,420$1,296

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 $1,166 per year, or $97 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 $1,334 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 $1,166 per year, and the highest-cost model and trim is the Toyota Tundra CrewMax Platinum 2WD costing $1,548 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

$1,270

Insurance Rates by Trim Level for 2019 Toyota Tacoma
2019 Toyota Tacoma TrimsRate
Access Cab SR5 2WD$1,166
Access Cab SR 4WD1,172
Access Cab SR5 4WD1,216
Double Cab SR 4WD1,216
Access Cab TRD Off-Road 4WD1,258
Access Cab TRD Sport 4WD1,258
Double Cab SR5 4WD1,258
Double Cab SR5 2WD1,274
Double Cab TRD Off-Road 4WD1,300
Double Cab TRD Sport 4WD1,300
Double Cab TRD Sport 2WD1,316
Double Cab Limited 4WD1,344
Double Cab TRD Pro 4WD1,344
Double Cab Limited 2WD1,360
2019 Toyota Tacoma Average Rate$1,270

2019 Toyota Tundra

$1,420

Insurance Rates by Trim Level for 2019 Toyota Tacoma
2019 Toyota Tundra TrimsRate
Double Cab SR5 4WD$1,334
CrewMax SR5 4WD1,354
Double Cab Limited 4WD1,376
Double Cab SR5 2WD1,378
CrewMax SR5 2WD1,398
CrewMax Limited 4WD1,420
CrewMax Platinum 4WD1,462
CrewMax Limited 2WD1,464
Double Cab Limited 2WD1,464
CrewMax Platinum 2WD1,548
2019 Toyota Tundra Average Rate$1,420

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 $50 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 $1,306 to $2,856 per year for a 2018 Toyota Tacoma, and $1,258 to $2,754 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 December 5, 2022
2018 Toyota Tacoma vs. 2018 Toyota Tundra Insurance Cost
2018 Toyota Tacoma vs. 2018 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,856$1,500$1,428$1,306
Toyota Tundra$2,754$1,446$1,378$1,258

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 $1,276 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 $1,300.

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 $1,276 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD costing $1,552 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

$1,428

Insurance Rates by Trim Level for 2018 Toyota Tacoma
2018 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,276
Access Cab SR5 2WD1,316
Double Cab SR 2WD1,316
Access Cab SR 4WD1,360
Double Cab SR5 2WD1,386
Access Cab TRD Sport 2WD1,398
Access Cab SR5 4WD1,428
Double Cab SR 4WD1,428
Double Cab TRD Off-Road 2WD1,440
Double Cab TRD Sport 2WD1,440
Access Cab TRD Off-Road 4WD1,468
Access Cab TRD Sport 4WD1,468
Double Cab SR5 4WD1,468
Double Cab TRD Off-Road 4WD1,468
Double Cab TRD Sport 4WD1,468
Double Cab Limited 2WD1,480
Double Cab Limited 4WD1,552
Double Cab TRD Pro 4WD1,552
2018 Toyota Tacoma Average Rate$1,428

2018 Toyota Tundra

$1,378

Insurance Rates by Trim Level for 2018 Toyota Tacoma
2018 Toyota Tundra TrimsRate
CrewMax SR5 4WD$1,300
Double Cab SR5 4WD1,300
Double Cab Limited 4WD1,342
Double Cab SR5 2WD1,346
CrewMax Limited 4WD1,382
CrewMax Platinum 4WD1,382
CrewMax SR5 2WD1,386
CrewMax Limited 2WD1,428
Double Cab Limited 2WD1,428
CrewMax Platinum 2WD1,468
2018 Toyota Tundra Average Rate$1,378

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 $66 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 $1,252 to $2,742 per year for a 2017 Toyota Tacoma, and $1,192 to $2,618 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 December 5, 2022
2017 Toyota Tacoma vs. 2017 Toyota Tundra Insurance Cost
2017 Toyota Tacoma vs. 2017 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,742$1,434$1,370$1,252
Toyota Tundra$2,618$1,370$1,304$1,192

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 $1,244 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 $1,226 per year, or $102 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 $1,226 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Double Cab TRD Pro 4WD at an average of $1,512 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

$1,370

Insurance Rates by Trim Level for 2017 Toyota Tacoma
2017 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,244
Double Cab SR 2WD1,244
Access Cab SR5 2WD1,284
Double Cab SR5 2WD1,284
Access Cab SR 4WD1,300
Double Cab SR 4WD1,352
Access Cab TRD Sport 2WD1,364
Double Cab TRD Off-Road 2WD1,364
Double Cab TRD Sport 2WD1,364
Access Cab SR5 4WD1,372
Access Cab TRD Sport 4WD1,392
Double Cab SR5 4WD1,392
Double Cab Limited 2WD1,404
Access Cab TRD Off-Road 4WD1,432
Double Cab TRD Off-Road 4WD1,432
Double Cab TRD Sport 4WD1,432
Double Cab Limited 4WD1,470
Double Cab TRD Pro 4WD1,512
2017 Toyota Tacoma Average Rate$1,370

2017 Toyota Tundra

$1,304

Insurance Rates by Trim Level for 2017 Toyota Tacoma
2017 Toyota Tundra TrimsRate
Double Cab SR 4WD$1,226
Regular Cab 4WD1,226
Regular Cab SR 4WD1,226
Double Cab SR 2WD1,234
Regular Cab 2WD1,234
Regular Cab SR 2WD1,234
CrewMax SR5 4WD1,266
Double Cab SR5 4WD1,266
SR/5 CrewMax 4WD1,266
SR/5 Double Cab 4WD1,266
Double Cab Limited 4WD1,306
Double Cab TRD Pro 4WD1,306
Limited CrewMax 4WD1,306
Limited Double Cab 4WD1,306
CrewMax SR5 2WD1,312
Double Cab SR5 2WD1,312
SR/5 CrewMax 2WD1,312
SR/5 Double Cab 2WD1,312
SR/5 Double Cab SR5 2WD1,312
CrewMax TRD Pro 4WD1,346
Limited Double Cab 2WD1,352
CrewMax 1794 4WD1,386
CrewMax Platinum 4WD1,386
Limited CrewMax 2WD1,392
CrewMax 1794 2WD1,432
CrewMax Platinum 2WD1,432
2017 Toyota Tundra Average Rate$1,304

2016 Toyota Tacoma vs. Tundra

When comparing insurance rates for 2016 models, the Toyota Tacoma costs an average of $1,326 per year to insure and the Toyota Tundra costs $1,392, making the Toyota Tacoma the winner by $66 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 $1,212 to $2,656 per year for a 2016 Toyota Tacoma, and $1,270 to $2,790 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 December 5, 2022
2016 Toyota Tacoma vs. 2016 Toyota Tundra Insurance Cost
2016 Toyota Tacoma vs. 2016 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,656$1,386$1,326$1,212
Toyota Tundra$2,790$1,448$1,392$1,270

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 $1,192 per year, or around $99 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 $1,292.

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 $1,192 per year, and the highest-cost model and trim level is the Toyota Tundra CrewMax Platinum 2WD at an average of $1,532 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

$1,326

Insurance Rates by Trim Level for 2016 Toyota Tacoma
2016 Toyota Tacoma TrimsRate
Access Cab SR 2WD$1,192
Access Cab SR5 2WD1,218
Double Cab SR 2WD1,230
Access Cab SR 4WD1,256
Double Cab SR5 2WD1,292
Access Cab TRD Sport 2WD1,304
Access Cab SR5 4WD1,330
Double Cab SR 4WD1,330
Double Cab TRD Off-Road 2WD1,340
Double Cab TRD Sport 2WD1,340
Access Cab TRD Off-Road 4WD1,366
Access Cab TRD Sport 4WD1,366
Double Cab SR5 4WD1,366
Double Cab Limited 2WD1,378
Double Cab TRD Sport 4WD1,386
Double Cab TRD Off-Road 4WD1,388
Double Cab Limited 4WD1,440
2016 Toyota Tacoma Average Rate$1,326

2016 Toyota Tundra

$1,392

Insurance Rates by Trim Level for 2016 Toyota Tacoma
2016 Toyota Tundra TrimsRate
Regular Cab 4WD$1,292
Regular Cab SR 4WD1,292
CrewMax SR5 4WD1,330
Double Cab SR 4WD1,330
Double Cab SR5 4WD1,330
SR/5 CrewMax 4WD1,330
SR/5 Double Cab 4WD1,330
Regular Cab 2WD1,346
Regular Cab SR 2WD1,346
CrewMax SR5 2WD1,384
Double Cab SR 2WD1,384
Double Cab SR5 2WD1,384
SR/5 CrewMax 2WD1,384
SR/5 Double Cab 2WD1,384
SR/5 Double Cab SR5 2WD1,384
Double Cab Limited 4WD1,404
Double Cab TRD Pro 4WD1,404
Limited CrewMax 4WD1,404
Limited Double Cab 4WD1,404
CrewMax 1794 4WD1,440
CrewMax Platinum 4WD1,440
Limited Double Cab 2WD1,458
Limited CrewMax 2WD1,494
CrewMax 1794 2WD1,532
CrewMax Platinum 2WD1,532
2016 Toyota Tundra Average Rate$1,392

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 $96 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 $1,096 to $2,394 per year for the age groups used in this illustration. A 2015 Toyota Tundra costs from $1,182 to $2,586 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 December 5, 2022
2015 Toyota Tacoma vs. 2015 Toyota Tundra Insurance Cost
2015 Toyota Tacoma vs. 2015 Toyota Tundra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Tacoma$2,394$1,248$1,200$1,096
Toyota Tundra$2,586$1,350$1,296$1,182

Out of 13 Toyota Tacoma trims, the cheapest 2015 model to insure is the Access Cab 2WD trim at an average cost of $1,054 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 $1,208 per year, or about $101 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 $1,054 per year. The most expensive trim is the Toyota Tundra CrewMax Platinum 4WD costing $1,396 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

$1,200

Insurance Rates by Trim Level for 2015 Toyota Tacoma
2015 Toyota Tacoma TrimsRate
Access Cab 2WD$1,054
Double Cab 2WD1,088
Access Cab 4WD1,152
Access Cab TRD Off-Road 2WD1,158
Access Cab TRD Sport 2WD1,158
Access Cab TRD Off-Road 4WD1,186
Access Cab TRD Sport 4WD1,186
Double Cab 4WD1,186
Double Cab TRD Off-Road 4WD1,256
Double Cab TRD Sport 4WD1,256
Access Cab TRD Pro 4WD1,292
Double Cab Limited 4WD1,292
Double Cab TRD Pro 4WD1,328
2015 Toyota Tacoma Average Rate$1,200

2015 Toyota Tundra

$1,296

Insurance Rates by Trim Level for 2015 Toyota Tacoma
2015 Toyota Tundra TrimsRate
Double Cab SR 2WD$1,208
Regular Cab 2WD1,208
Regular Cab SR 2WD1,208
CrewMax SR5 2WD1,242
Double Cab SR5 2WD1,242
SR/5 Double Cab 2WD1,242
SR/5 Double Cab SR5 2WD1,242
Regular Cab 4WD1,256
Regular Cab SR 4WD1,256
SR/5 CrewMax 2WD1,278
CrewMax SR5 4WD1,292
Double Cab SR 4WD1,292
Double Cab SR5 4WD1,292
SR/5 Double Cab 4WD1,292
Limited CrewMax 2WD1,314
Limited Double Cab 2WD1,314
SR/5 CrewMax 4WD1,328
CrewMax 1794 2WD1,348
CrewMax Platinum 2WD1,348
Double Cab Limited 4WD1,362
Double Cab TRD Pro 4WD1,362
Limited CrewMax 4WD1,362
Limited Double Cab 4WD1,362
CrewMax 1794 4WD1,396
CrewMax Platinum 4WD1,396
2015 Toyota Tundra Average Rate$1,296

Additional Toyota Tacoma and Toyota Tundra Resources