Toyota Tundra Car Insurance Rates for 2022

How much does Toyota Tundra insurance cost? We break down rates from the base Double Cab SR model up to the new Capstone trim level to find out how Tundra insurance rates compare to all other full-size half-ton trucks.

Start QuoteCompare Tundra car insurance rates and save on your next policy.

How much does Toyota Tundra insurance cost?

Toyota Tundra insurance rates average $1,628 per year for full coverage, or around $136 if paid each month. With the average full-size pickup truck costing $1,644 a year to insure, the Toyota Tundra is just slightly cheaper than average.

The chart below showcases average 2022 Toyota Tundra insurance cost for different policy deductible levels and driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Toyota Tundra with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Tundra trim levels.Data last updated on April 14, 2022
Toyota Tundra Insurance Rate Summary
Toyota Tundra Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,740$228
$500$3,238$270
$250$3,760$313
30$1,000$1,440$120
$500$1,718$143
$250$2,004$167
40$1,000$1,374$115
$500$1,628$136
$250$1,892$158
50$1,000$1,254$105
$500$1,482$124
$250$1,722$144
60$1,000$1,230$103
$500$1,452$121
$250$1,688$141

The chart above uses an average rate 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 car insurance cheap?

With Toyota Tundra insurance cost ranging from $1,458 to $1,784 annually, the cheapest trim levels to insure are the SR Double Cab 2WD and SR Double Cab 4WD models at an average cost of $1,458 and $1,504 per year, respectively.

On average, plan on paying around $122 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 4WD, the TRD Pro Crew Max 4WD, and the Capstone Crew Max 4WD trim levels, maxing out around $1,784 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 and semi-annual car insurance costs, in addition to a monthly budget amount, for each 2022 Toyota Tundra trim level.

2022 Toyota Tundra Insurance Cost by Trim Level
Toyota Tundra Trim Level Annual Policy 6-month Policy Per Month
SR Double Cab 2WD$1,458$729$122
SR Double Cab 4WD$1,504$752$125
SR5 Double Cab 2WD$1,532$766$128
SR5 Crew Max 4WD$1,568$784$131
SR5 Crew Max 2WD$1,574$787$131
SR5 Double Cab 4WD$1,582$791$132
Limited Double Cab 2WD$1,602$801$134
Limited Crew Max 2WD$1,620$810$135
Limited Double Cab 4WD$1,628$814$136
Limited Crew Max 4WD$1,648$824$137
Platinum Crew Max 2WD$1,692$846$141
1794 Edition Crew Max 2WD$1,692$846$141
Platinum Crew Max 4WD$1,704$852$142
1794 Edition Crew Max 4WD$1,714$857$143
TRD Pro Crew Max 4WD$1,752$876$146
Capstone Crew Max 4WD$1,784$892$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Tundra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Toyota Tundra Insurance Cost by Trim Level

How does Tundra insurance cost compare?

When compared to other half-ton pickups, insurance rates for a 2022 Toyota Tundra cost $166 more per year than the Ford F150, $98 less than the Ram Truck, $2 more than the Chevrolet Silverado, and $84 more than the GMC Sierra.

The Toyota Tundra ranks #5 out of seven total vehicles in the large truck segment. The Tundra costs an estimated $1,628 per year to insure for full coverage and the segment median rate is $1,644 per year, a difference of $16 per year.

The chart below shows how average Toyota Tundra car insurance rates compare to all other half-ton large trucks for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Toyota Tundra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Tundra trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2022
Toyota Tundra vs Large Trucks Insurance Cost Comparison
Toyota Tundra Insurance Cost Compared to All Large Trucks
Rank Make/Model Insurance Cost Difference
1Ford F150$1,462-$166
2GMC Sierra$1,544-$84
3Nissan Titan$1,598-$30
4Chevrolet Silverado$1,626-$2
5Toyota Tundra$1,628--
6Ram Truck$1,726$98
7GMC Hummer EV Pickup$1,926$298

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 2022 model could save $404 each year at the very least.

The data table below details average insurance rates for the Tundra for the 2013 to 2022 model years and a range of driver ages. Prices range from the cheapest rate of $1,098 for a 60-year-old driver rated on a 2013 Toyota Tundra to the most expensive rate of $3,238 for a 20-year-old driver rated on a 2022 Tundra.

Toyota Tundra Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,238$1,718$1,628$1,482$1,452
2021$3,024$1,596$1,518$1,384$1,356
2020$2,972$1,566$1,490$1,358$1,332
2019$2,818$1,480$1,408$1,286$1,264
2018$2,732$1,430$1,366$1,248$1,226
2017$2,596$1,356$1,296$1,186$1,164
2016$2,764$1,440$1,382$1,262$1,240
2015$2,568$1,340$1,286$1,174$1,152
2014$2,650$1,370$1,328$1,216$1,192
2013$2,440$1,262$1,224$1,122$1,098

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Toyota Tundra Insurance Cost by Model Year

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 $616 a year, depending on what the comprehensive and collision deductibles were set to and the age of the rated driver.

Does where I live affect how much I pay for car insurance?

Depending upon where you live, the insurance cost for a Tundra can vary from lower rates like $1,232 a year in Columbus, OH, or $1,022 in Raleigh, NC, to higher rates such as $2,726 a year in Las Vegas, NV, and $2,718 per year for car insurance in Los Angeles.

The cost of insurance for a Toyota Tundra in some other areas include Memphis, TN, costing $2,022 per year, San Francisco, CA, averaging $2,336, Austin, TX, at $1,494, and Albuquerque, NM, at $1,624.

The following chart visualizes avearge car insurance rates for a Toyota Tundra in the most populated areas in the United States. Rates range from $1,232 per year in Columbus, OH, to $3,096 in New York City, a difference of $1,864.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Toyota Tundra, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Toyota Tundra trim levels.Data last updated on February 20, 2022
Toyota Tundra Insurance Rates in Large U.S. Cities
Toyota Tundra Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,096$258
Philadelphia, PA$2,730$228
Los Angeles, CA$2,718$227
San Francisco, CA$2,336$195
Jacksonville, FL$2,322$194
San Jose, CA$1,934$161
Phoenix, AZ$1,884$157
San Diego, CA$1,840$153
Chicago, IL$1,782$149
Dallas, TX$1,752$146
Houston, TX$1,742$145
Indianapolis, IN$1,650$138
San Antonio, TX$1,568$131
Austin, TX$1,494$125
Columbus, OH$1,232$103

How much does it cost to insure a Tundra in my state?

When analyzing Toyota Tundra auto insurance rates from a broader perspective, states like Iowa ($1,186), North Carolina ($1,042), and Idaho ($1,294) have cheaper Tundra insurance rates, while states like Michigan ($2,610), Louisiana ($2,374), and even to an extent Rhode Island ($1,932) 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 $1,474, $1,504, and $1,544 per year, respectively.

Toyota Tundra Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,336$668$111
Alaska$1,438$719$120
Arizona$1,458$729$122
Arkansas$1,754$877$146
California$1,878$939$157
Colorado$1,750$875$146
Connecticut$1,588$794$132
Delaware$1,664$832$139
Florida$2,394$1,197$200
Georgia$1,586$793$132
Hawaii$1,114$557$93
Idaho$1,294$647$108
Illinois$1,322$661$110
Indiana$1,224$612$102
Iowa$1,186$593$99
Kansas$1,650$825$138
Kentucky$1,906$953$159
Louisiana$2,374$1,187$198
Maine$1,134$567$95
Maryland$1,480$740$123
Massachusetts$1,342$671$112
Michigan$2,610$1,305$218
Minnesota$1,440$720$120
Mississippi$1,546$773$129
Missouri$1,740$870$145
Montana$1,596$798$133
Nebraska$1,566$783$131
Nevada$1,798$899$150
New Hampshire$990$495$83
New Jersey$1,546$773$129
New Mexico$1,314$657$110
New York$1,744$872$145
North Carolina$1,042$521$87
North Dakota$1,364$682$114
Ohio$952$476$79
Oklahoma$1,594$797$133
Oregon$1,372$686$114
Pennsylvania$1,378$689$115
Rhode Island$1,932$966$161
South Carolina$1,510$755$126
South Dakota$1,484$742$124
Tennessee$1,296$648$108
Texas$1,544$772$129
Utah$1,354$677$113
Vermont$1,090$545$91
Virginia$1,058$529$88
Washington$1,246$623$104
West Virginia$1,474$737$123
Wisconsin$1,114$557$93
Wyoming$1,504$752$125

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Tundra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Tundra trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on February 20, 2022
Toyota Tundra insurance rates by U.S. state

Some other important insights as they relate to insurance cost 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 many other discounts which could save the average driver as much as $278 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 $5,826 per year for a 16-year-old driver, $5,450 per year for a 17-year-old driver, and $5,090 per year for a 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 $256 per year compared to a decent credit rating of 670-739. Conversely, a weaker credit score could cost up to $296 more per year.
  • Gender and age affect the rate you pay. For a 2022 Toyota Tundra, a 20-year-old man pays an estimated $3,238 per year, while a 20-year-old woman pays $2,400, a difference of $838 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,482 and female driver rates are $1,450, a difference of only $32.
  • 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 $1,976 or more per year.
  • Being a good driver saves money. Too many at-fault accidents can raise rates, as much as $756 or more per year for a 30-year-old driver and as much as $522 per year for a 50-year-old driver.