Toyota Tundra Insurance Costs: Rates and Rankings for 2025

How expensive are insurance rates for a Toyota Tundra?

From the SR Double Cab 2WD model up to the pricier Capstone Crew Max Hybrid 4WD trim level, we analyzed insurance cost for the Tundra to see how rate quotes compare to the full-size truck segment.

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How much does Toyota Tundra insurance cost?

Toyota Tundra insurance rates average $2,788 per year for full coverage, or around $232 if paid each month. With the average full-size pickup truck costing $2,596 a year to insure, the Toyota Tundra is just slightly cheaper than average.

The image below showcases average 2024 Toyota Tundra insurance cost for different policy deductible levels and driver ages.

Average 2024 Toyota Tundra car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Toyota Tundra car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Toyota Tundra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Toyota Tundra Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,800$400
$500$5,678$473
$250$6,610$551
30-Year-Old$1,000$2,496$208
$500$2,978$248
$250$3,480$290
40-Year-Old$1,000$2,346$196
$500$2,788$232
$250$3,250$271
50-Year-Old$1,000$2,086$174
$500$2,466$206
$250$2,866$239
60-Year-Old$1,000$1,956$163
$500$2,314$193
$250$2,686$224

Data Methodology: Rated driver has 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 the 2024 Toyota Tundra. Updated June 27, 2025

The infographic above averages rates across the entire Toyota Tundra lineup, but there is quite a bit of variation depending on the trim level being insured. The next section breaks out rates by trim level and option packages.

Is Toyota Tundra insurance cheap?

With Toyota Tundra insurance rates ranging from $2,488 to $3,022 annually, the cheapest trim levels to insure are the SR Double Cab 2WD and SR Crew Max 2WD models at an average cost of $2,488 and $2,550 per year, respectively.

On average, plan on paying around $207 per month for starters for full coverage Tundra insurance. However, this amount can vary quite a bit depending on the model year, coverages, and driver age.

The three highest-cost Tundra trim levels to insure are the Toyota Tundra 1794 Edition Crew Max Hybrid 4WD, the TRD Pro Crew Max Hybrid 4WD, and the Capstone Crew Max Hybrid 4WD trim levels, maxing out around $3,022 per year.

As the cost goes up with the different Tundra trims and packages, insurance goes up in step with it. Lower trim levels cost less and therefore have a lower replacement cost, resulting in cheaper insurance rates.

The table below shows average annual car insurance rates, in addition to a monthly budget amount, for each 2024 Toyota Tundra trim level.

2024 Toyota Tundra Insurance Rates by Trim Level
2024 Toyota Tundra Trim Level Annual Premium Cost Per Month
SR Double Cab 2WD$2,488$207
SR Crew Max 2WD$2,550$213
SR Double Cab 4WD$2,564$214
SR Crew Max 4WD$2,612$218
SR5 Double Cab 2WD$2,618$218
SR5 Crew Max 2WD$2,662$222
SR5 Double Cab 4WD$2,678$223
SR5 Crew Max 4WD$2,718$227
Limited Double Cab 2WD$2,738$228
Limited Crew Max 2WD$2,772$231
Limited Double Cab 4WD$2,780$232
Limited Crew Max 4WD$2,814$235
Limited Crew Max Hybrid 2WD$2,820$235
Limited Crew Max Hybrid 4WD$2,860$238
Platinum Crew Max 2WD$2,866$239
1794 Edition Crew Max 2WD$2,878$240
Platinum Crew Max 4WD$2,902$242
1794 Edition Crew Max 4WD$2,910$243
Platinum Crew Max Hybrid 2WD$2,914$243
1794 Edition Crew Max Hybrid 2WD$2,922$244
Platinum Crew Max Hybrid 4WD$2,942$245
1794 Edition Crew Max Hybrid 4WD$2,946$246
TRD Pro Crew Max Hybrid 4WD$2,968$247
Capstone Crew Max Hybrid 4WD$3,022$252

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Toyota Tundra ranging from the SR Double Cab 2WD model at $2,488 per year to the Capstone Crew Max Hybrid 4WD model at $3,022
Insurance cost by trim level for a 2024 Toyota Tundra ranging from the SR Double Cab 2WD model at $2,488 per year to the Capstone Crew Max Hybrid 4WD model at $3,022

How does Tundra insurance cost compare?

When compared to other half-ton pickups, insurance rates for a 2024 Toyota Tundra cost $166 more per year than the Ford F150, $80 more than the Ram Truck, $198 more than the Chevrolet Silverado, and $200 more than the GMC Sierra.

The Toyota Tundra ranks seventh out of seven total vehicles in the large truck segment. The Tundra costs an estimated $2,788 per year to insure for full coverage and the segment median rate is $2,596 per year, a difference of $192 per year.

The chart below shows how average Toyota Tundra car insurance rates compare to all other half-ton large trucks for the 2024 model year.

Average 2024 Toyota Tundra car insurance premium compared to other large truck models.
Figure 2: Average 2024 Toyota Tundra car insurance premium compared to other large truck models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Tundra. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Toyota Tundra trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Toyota Tundra Insurance Cost Compared to All Large Trucks
Rank Make and Model Annual Premium Difference
1Nissan Titan$2,190-$598
2GMC Sierra$2,588-$200
3Chevrolet Silverado$2,590-$198
4Ford F150$2,622-$166
5GMC Hummer EV Pickup$2,686-$102
6Ram Truck$2,708-$80
7Toyota Tundra$2,788--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

Will a used Tundra save money on insurance?

Buying insurance for a Toyota Tundra with some age on it is definitely cheaper than a new model off the showroom floor. For example, insuring a 2013 Tundra instead of a 2024 model could save $1,188 each year at the very least.

The data table below details average insurance rates for the Tundra for the 2013 to 2024 model years and a range of driver ages. Prices range from the cheapest rate of $1,344 for a 60-year-old driver rated on a 2013 Toyota Tundra to the most expensive rate of $5,678 for a 20-year-old driver rated on a 2024 Tundra.

Toyota Tundra Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Toyota Tundra$5,678$2,788$2,314
2023 Toyota Tundra$4,834$2,398$1,984
2022 Toyota Tundra$4,646$2,304$1,912
2021 Toyota Tundra$4,364$2,154$1,790
2020 Toyota Tundra$4,234$2,094$1,740
2019 Toyota Tundra$3,952$1,944$1,620
2018 Toyota Tundra$3,750$1,848$1,540
2017 Toyota Tundra$3,512$1,732$1,446
2016 Toyota Tundra$3,676$1,814$1,516
2015 Toyota Tundra$3,352$1,660$1,388
2014 Toyota Tundra$3,494$1,726$1,450
2013 Toyota Tundra$3,222$1,600$1,344

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Toyota Tundra trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2024 Toyota Tundra models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Toyota Tundra models for drivers age 20, 40 and 60

At some point down the road, it will probably be a good idea to drop physical damage coverage from the policy. As vehicles get older and lose value, the cost of maintaining comprehensive and collision coverage starts to outweigh the benefit of having it on the policy.

Dropping physical damage coverage on an older Toyota Tundra could save you around $840 a year, depending on what the comprehensive and collision deductibles were set to and the age of the rated driver.

Toyota Tundra insurance rates by U.S. city and state

Depending upon where you live, the insurance cost for a Tundra can vary from lower rates like $2,410 a year in Columbus, OH, or $2,170 in Raleigh, NC, to higher rates such as $4,110 a year in Las Vegas, NV, and $4,102 per year for car insurance in Los Angeles.

The cost of insurance for a Toyota Tundra in some other areas include Memphis, TN, costing $3,310 per year, San Francisco, CA, averaging $3,668, Austin, TX, at $2,704, and Albuquerque, NM, at $2,856.

The following chart visualizes average insurance rates for a Toyota Tundra in the most populated areas in the United States.

Average car insurance rates for a 2024 Toyota Tundra in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 Toyota Tundra in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Toyota Tundra assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Toyota Tundra Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,530$378
Philadelphia, PA$4,120$343
Las Vegas, NV$4,110$343
Los Angeles, CA$4,102$342
San Francisco, CA$3,668$306
Kansas City, MO$3,360$280
Oklahoma City, OK$3,360$280
Denver, CO$3,310$276
Memphis, TN$3,310$276
Atlanta, GA$3,280$273
San Jose, CA$3,212$268
Phoenix, AZ$3,150$263
Portland, OR$3,122$260
San Diego, CA$3,106$259
Boston, MA$3,100$258
Chicago, IL$3,036$253
Dallas, TX$3,000$250
Houston, TX$2,990$249
Seattle, WA$2,982$249
Jacksonville, FL$2,922$244
Nashville, TN$2,902$242
Milwaukee, WI$2,892$241
Albuquerque, NM$2,856$238
San Antonio, TX$2,796$233
Omaha, NE$2,740$228
Fort Worth, TX$2,730$228
Austin, TX$2,704$225
Indianapolis, IN$2,544$212
Columbus, OH$2,410$201
Charlotte, NC$2,342$195

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Toyota Tundra and all Zip Codes in each city. Updated June 26, 2025

When analyzing Toyota Tundra auto insurance rates from a broader perspective, states like Iowa ($2,258), North Carolina ($2,170), and Idaho ($2,352) have cheaper Tundra insurance rates, while states like Michigan ($3,404), Louisiana ($3,168), and even to an extent Rhode Island ($3,444) have expensive car insurance rates.

Insurance rates in most states thankfully do not tend toward the high side. More average-leaning states like West Virginia, Wyoming, and Texas have rates of $2,722, $2,716, and $2,798 per year, respectively.

Average insurance rates on a 2024 Toyota Tundra are shown in the table below for all fifty U.S. states.

2024 Toyota Tundra Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,740$228
Alaska$2,444$204
Arizona$2,774$231
Arkansas$3,044$254
California$3,382$282
Colorado$3,098$258
Connecticut$3,182$265
Delaware$3,234$270
Florida$3,282$274
Georgia$2,992$249
Hawaii$2,286$191
Idaho$2,352$196
Illinois$2,692$224
Indiana$2,422$202
Iowa$2,258$188
Kansas$2,914$243
Kentucky$3,096$258
Louisiana$3,168$264
Maine$2,120$177
Maryland$2,802$234
Massachusetts$3,132$261
Michigan$3,404$284
Minnesota$2,654$221
Mississippi$2,894$241
Missouri$3,214$268
Montana$2,776$231
Nebraska$2,606$217
Nevada$3,356$280
New Hampshire$2,262$189
New Jersey$3,386$282
New Mexico$2,578$215
New York$3,276$273
North Carolina$2,170$181
North Dakota$2,590$216
Ohio$2,322$194
Oklahoma$3,160$263
Oregon$2,810$234
Pennsylvania$2,864$239
Rhode Island$3,444$287
South Carolina$2,610$218
South Dakota$3,006$251
Tennessee$2,848$237
Texas$2,798$233
Utah$2,692$224
Vermont$2,380$198
Virginia$2,252$188
Washington$2,744$229
West Virginia$2,722$227
Wisconsin$2,356$196
Wyoming$2,716$226

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2024 Toyota Tundra in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 Toyota Tundra in all 50 U.S. States

Some other important insights as they relate to insurance costs on a Toyota Tundra include:

  • Policy discounts mean cheaper Tundra insurance. Discounts may be available if the policyholders belong to certain professional organizations, are accident-free, insure multiple vehicles on the same policy, are away-from-home students, or other discounts which could save the average driver as much as $478 per year on the cost of insuring a Toyota Tundra.
  • Tundra insurance for teen drivers is expensive. Average rates for full coverage Tundra insurance costs $10,093 per year for a 16-year-old driver, $9,785 per year for a 17-year-old driver, and $8,773 per year for an 18-year-old driver.
  • Raise your credit score to score lower rates. In states that allow a driver’s credit history to be used for generating rates, having excellent credit of 800+ could save $438 per year compared to a decent credit rating of 670-739. Conversely, a weaker credit score could cost up to $507 more per year.
  • Gender and age affect the rate you pay. For a 2024 Toyota Tundra, a 20-year-old man pays an estimated $5,678 per year, while a 20-year-old woman pays $4,050, a difference of $1,628 per year in the women’s favor by a large margin. But by age 50, male driver rates are $2,466 and female driver rates are $2,404, a difference of only $62.
  • Prepare for sticker shock for high-risk insurance. For a 30-year-old driver, the requirement to buy a high-risk policy increases the cost by $3,502 or more per year.
  • Being a good driver saves money. Too many at-fault accidents can raise rates, as much as $1,370 or more per year for a 30-year-old driver and as much as $864 per year for a 50-year-old driver.