Toyota Tundra insurance costs vary by model year, with 2025 models averaging higher monthly premiums than older Tundras due to their higher market values. Newer trucks usually cost more to insure because they’re more expensive to repair and replace.
Toyota Tundra Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable Toyota Tundra insurance rates on average, though full coverage costs vary by model year and insurer and average about $184 per month nationwide. Read more.
The Tundra ranks 26th out of 40 pickup trucks for insurance affordability, placing it in the middle tier among trucks. However, pickup trucks generally cost more to insure than other vehicle types due to higher repair costs and increased risk from their size and typical usage. Read more.
Getting precise insurance rates means checking costs for your Tundra's specific model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Tundra model years depending on the age of the drivers.
How Much Is Toyota Tundra Insurance?
Looking for another Toyota model? Read more about Toyota insurance costs.
Insurance rates depend on model year and insurer. Toyota Tundra minimum coverage spans $64 monthly with GEICO to $156 with UAIC, while full coverage goes from $138 with GEICO to $336 with AIG.
Rate variations (more than $92 for minimum coverage and $198 for full coverage) demonstrate why Tundra owners need to shop around. Companies calculate risk differently for each model, which impacts your final rate.
| AAA | $108 | $224 |
| AIG | $135 | $336 |
| Allstate | $121 | $234 |
| Amica | $119 | $243 |
| Chubb | $129 | $255 |
| Farmers | $144 | $255 |
| Geico | $64 | $138 |
| Kemper | $100 | $203 |
| Nationwide | $101 | $174 |
| Progressive | $91 | $170 |
| State Farm | $90 | $189 |
| The Hartford | $104 | $177 |
| Travelers | $82 | $152 |
| UAIC | $156 | $196 |
Is Toyota Tundra Expensive to Insure?
MoneyGeek's analysis of 40 pickup trucks shows the Toyota Tundra ranking 26th for insurance affordability, with 25 models costing less to insure. It's positioned between the slightly cheaper Mitsubishi Raider and the marginally pricier Toyota Tacoma. This middle-tier placement among pickup trucks provides useful context for comparison shopping.
While it's middle of the pack among trucks, pickup vehicles are expensive to insure overall. The Tundra ranks 429th out of 827 total vehicles, placing it in the upper half for insurance costs. The Suzuki SX4 claims the most affordable pickup truck spot, while the Ram 2500 commands the highest premiums in this category.
| Chevrolet Silverado 3500 | $130 | 23 |
| GMC Sierra 3500 | $131 | 24 |
| Mitsubishi Raider | $135 | 25 |
| Toyota Tundra | $139 | 26 |
| Toyota Tacoma | $142 | 27 |
| Isuzu I-Series | $144 | 28 |
| Cadillac Escalade EXT | $146 | 29 |
Several factors affect what you'll pay for Toyota Tundra insurance:
- Average Repair or Replacement Costs: Toyota Tundra repair costs average $852 annually, ranking as the sixth most expensive Toyota model to maintain out of 32. This relatively moderate maintenance expense helps keep insurance premiums more affordable compared to luxury trucks.
- Vehicle Trim, Features and Accessories: Higher trims like Platinum and 1794 Edition cost more to insure due to their premium features. The Tundra's horsepower ranges from 348 to 437 depending on engine choice and this powerful performance often leads to increased insurance premiums.
- Driver Profile: Most Toyota Tundra drivers fall into the 40 to 50 age range, which often results in lower rates due to responsible driving habits. However, the Tundra's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Toyota Tundras for young drivers.
Toyota Tundra Insurance Cost by State
Toyota Tundra insurance costs range from $185 monthly in Louisiana down to just $36 in Wyoming for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything specific to the Tundra itself.
| Alabama | $81 | $154 |
| Alaska | $67 | $143 |
| Arizona | $116 | $216 |
| Arkansas | $79 | $177 |
| California | $92 | $186 |
| Colorado | $92 | $219 |
| Connecticut | $128 | $220 |
| Delaware | $128 | $215 |
| District Of Columbia | $96 | $178 |
| Florida | $119 | $276 |
| Georgia | $137 | $226 |
| Hawaii | $50 | $113 |
| Idaho | $52 | $106 |
| Illinois | $87 | $163 |
| Indiana | $62 | $122 |
| Iowa | $54 | $131 |
| Kansas | $69 | $161 |
| Kentucky | $115 | $195 |
| Louisiana | $185 | $397 |
| Maine | $50 | $104 |
| Maryland | $143 | $242 |
| Massachusetts | $94 | $200 |
| Michigan | $147 | $284 |
| Minnesota | $78 | $163 |
| Mississippi | $85 | $168 |
| Missouri | $114 | $227 |
| Montana | $68 | $162 |
| Nebraska | $70 | $159 |
| Nevada | $165 | $298 |
| New Hampshire | $66 | $118 |
| New Jersey | $151 | $249 |
| New Mexico | $78 | $174 |
| New York | $116 | $209 |
| North Carolina | $77 | $152 |
| North Dakota | $59 | $128 |
| Ohio | $72 | $140 |
| Oklahoma | $89 | $198 |
| Oregon | $111 | $194 |
| Pennsylvania | $82 | $193 |
| Rhode Island | $116 | $208 |
| South Carolina | $95 | $177 |
| South Dakota | $53 | $161 |
| Tennessee | $74 | $150 |
| Texas | $118 | $242 |
| Utah | $103 | $175 |
| Vermont | $44 | $104 |
| Virginia | $90 | $146 |
| Washington | $86 | $159 |
| West Virginia | $82 | $167 |
| Wisconsin | $62 | $137 |
| Wyoming | $36 | $113 |
Toyota Tundra Costs by Model Year and Insurance Company
Full coverage car insurance for a 35- to 55-year old driver with a 2025 Toyota Tundra costs an average of $284 per month compared to $201 for a 2016 Toyota Tundra. Newer car models tend to be much more expensive than older models and insurance costs for your Toyota Tundra may change greatly depending on your model year and by the age of the drivers on your policy.Â
Young drivers in their teens and earlier 20s will pay much more to insure. GEICO is the cheapest insurer across all model years and could save certain drivers hundreds of dollars per month versus the average rate. Shopping between insurers will give you the opportunity to save on your Toyota Tundra insurance costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Tundra
| Geico | $89 | $195 |
| National General | $104 | $214 |
| Travelers | $111 | $204 |
| Progressive | $120 | $226 |
| Nationwide | $124 | $214 |
| State Farm | $127 | $266 |
| Kemper | $143 | $290 |
| AAA | $147 | $306 |
| The Hartford | $149 | $255 |
| Amica | $157 | $322 |
| Allstate | $161 | $312 |
| Chubb | $183 | $364 |
| AIG | $185 | $465 |
| Farmers | $201 | $355 |
| UAIC | $212 | $269 |
Cost of Car Insurance for 2024 Toyota Tundra
| Geico | $88 | $192 |
| National General | $103 | $210 |
| Travelers | $109 | $201 |
| Progressive | $118 | $222 |
| Nationwide | $122 | $210 |
| State Farm | $125 | $261 |
| Kemper | $140 | $286 |
| AAA | $145 | $301 |
| The Hartford | $147 | $251 |
| Amica | $155 | $317 |
| Allstate | $159 | $307 |
| Chubb | $180 | $358 |
| AIG | $182 | $457 |
| Farmers | $197 | $349 |
| UAIC | $209 | $264 |
Cost of Car Insurance for 2023 Toyota Tundra
| Geico | $75 | $164 |
| National General | $88 | $180 |
| Travelers | $93 | $172 |
| Progressive | $102 | $190 |
| Nationwide | $104 | $180 |
| State Farm | $107 | $224 |
| Kemper | $120 | $245 |
| AAA | $124 | $258 |
| The Hartford | $126 | $215 |
| Amica | $133 | $272 |
| Allstate | $136 | $263 |
| Chubb | $155 | $307 |
| AIG | $156 | $392 |
| Farmers | $169 | $299 |
| UAIC | $179 | $227 |
Cost of Car Insurance for 2022 Toyota Tundra
| Geico | $70 | $152 |
| National General | $82 | $167 |
| Travelers | $87 | $160 |
| Progressive | $94 | $176 |
| Nationwide | $97 | $167 |
| State Farm | $99 | $208 |
| Kemper | $111 | $227 |
| AAA | $115 | $239 |
| The Hartford | $117 | $199 |
| Amica | $123 | $252 |
| Allstate | $126 | $244 |
| Chubb | $143 | $284 |
| AIG | $145 | $364 |
| Farmers | $157 | $277 |
| UAIC | $166 | $210 |
Cost of Car Insurance for 2021 Toyota Tundra
| Geico | $62 | $135 |
| National General | $72 | $148 |
| Travelers | $76 | $141 |
| Progressive | $83 | $156 |
| Nationwide | $86 | $148 |
| State Farm | $88 | $184 |
| Kemper | $98 | $201 |
| AAA | $102 | $211 |
| The Hartford | $103 | $176 |
| Amica | $109 | $223 |
| Allstate | $111 | $215 |
| Chubb | $127 | $251 |
| AIG | $128 | $321 |
| Farmers | $139 | $245 |
| UAIC | $147 | $186 |
Cost of Car Insurance for 2020 Toyota Tundra
| Geico | $57 | $124 |
| National General | $66 | $136 |
| Travelers | $70 | $130 |
| Progressive | $77 | $144 |
| Nationwide | $79 | $136 |
| State Farm | $81 | $169 |
| Kemper | $91 | $185 |
| AAA | $94 | $195 |
| The Hartford | $95 | $162 |
| Amica | $100 | $205 |
| Allstate | $103 | $198 |
| Chubb | $117 | $232 |
| AIG | $118 | $296 |
| Farmers | $128 | $226 |
| UAIC | $135 | $171 |
Cost of Car Insurance for 2019 Toyota Tundra
| Geico | $65 | $141 |
| Travelers | $81 | $150 |
| National General | $83 | $170 |
| State Farm | $89 | $186 |
| Progressive | $93 | $175 |
| Nationwide | $97 | $168 |
| Kemper | $102 | $209 |
| The Hartford | $103 | $176 |
| AAA | $113 | $234 |
| Allstate | $117 | $225 |
| Amica | $128 | $262 |
| Chubb | $136 | $273 |
| AIG | $142 | $355 |
| UAIC | $149 | $187 |
| Farmers | $155 | $273 |
Cost of Car Insurance for 2018 Toyota Tundra
| Geico | $63 | $138 |
| Travelers | $83 | $154 |
| National General | $83 | $171 |
| State Farm | $91 | $191 |
| Progressive | $95 | $178 |
| The Hartford | $102 | $173 |
| Nationwide | $104 | $181 |
| Kemper | $109 | $224 |
| AAA | $113 | $234 |
| Allstate | $124 | $240 |
| Amica | $129 | $264 |
| Chubb | $138 | $275 |
| AIG | $143 | $358 |
| UAIC | $148 | $186 |
| Farmers | $154 | $271 |
Cost of Car Insurance for 2017 Toyota Tundra
| Geico | $58 | $126 |
| National General | $73 | $150 |
| Travelers | $75 | $139 |
| Progressive | $83 | $155 |
| State Farm | $86 | $180 |
| Nationwide | $98 | $169 |
| Kemper | $98 | $201 |
| The Hartford | $101 | $173 |
| AAA | $104 | $215 |
| Allstate | $108 | $208 |
| Amica | $113 | $232 |
| Chubb | $122 | $243 |
| AIG | $130 | $324 |
| Farmers | $142 | $251 |
| UAIC | $142 | $178 |
Cost of Car Insurance for 2016 Toyota Tundra
| Geico | $59 | $129 |
| National General | $75 | $154 |
| Travelers | $78 | $144 |
| State Farm | $87 | $181 |
| Progressive | $88 | $165 |
| Kemper | $96 | $196 |
| Nationwide | $100 | $173 |
| The Hartford | $103 | $176 |
| AAA | $107 | $222 |
| Allstate | $110 | $211 |
| Amica | $118 | $241 |
| Chubb | $125 | $249 |
| AIG | $134 | $335 |
| UAIC | $143 | $180 |
| Farmers | $147 | $259 |
Toyota Tundra Insurance Cost by Trim
Insurance costs for Toyota Tundra models vary, ranging from $338 monthly for full coverage on high-performance I-Force Crewmax Capstone variants down to $53 for minimum coverage on basic Regular Cab Long Bed trucks. Your trim's market value and performance features determine where you'll fall in this range.
| Regular Cab Long Bed | $53 | $101 |
| Regular Cab Sr5 Long Bed | $54 | $104 |
| Regular Cab 4wd Sr5 Long Bed | $63 | $121 |
| Double Cab Darrell Waltrip Edition Pickup 4d 6 1/2 Ft | $71 | $136 |
| Regular Cab Sr5 Pickup 2d 8 Ft | $72 | $138 |
| Access Sr5 Pickup 4d 6 1/2 Ft | $80 | $153 |
| Regular Cab Work Truck Pickup 2d 8 Ft | $80 | $155 |
| Double Cab Pickup 4d 6 1/2 Ft | $80 | $155 |
| Crewmax Sr Pickup 4d 5 1/2 Ft | $81 | $157 |
| Regular Cab Pickup 2d 6 1/2 Ft | $81 | $156 |
| Regular Cab Pickup 2d 8 Ft | $83 | $160 |
| Double Cab Sr5 Pickup 4d 8 Ft | $84 | $163 |
| Double Cab Sr Pickup 4d 8 Ft | $85 | $165 |
| Double Cab Sr5 Pickup 4d 6 1/2 Ft | $86 | $166 |
| Access Limited Pickup 4d 6 1/2 Ft | $86 | $166 |
| Regular Cab Sr Pickup 2d 8 Ft | $86 | $167 |
| Double Cab Sr Pickup 4d 6 1/2 Ft | $88 | $170 |
| Double Cab Sr | $88 | $171 |
| Double Cab Trd Pro Pickup 4d 6 1/2 Ft | $89 | $173 |
| Crewmax Sr5 Pickup 4d 5 1/2 Ft | $90 | $174 |
| Crewmax Sr | $92 | $180 |
| Double Cab Pickup 4d 8 Ft | $92 | $179 |
| Double Cab Limited Pickup 4d 6 1/2 Ft | $94 | $183 |
| Crewmax Trd Pro Pickup 4d 5 1/2 Ft | $95 | $185 |
| Crewmax Platinum Pickup 4d 5 1/2 Ft | $96 | $186 |
| Crewmax Sr5 Pickup 4d 6 1/2 Ft | $96 | $188 |
| Crewmax Limited Pickup 4d 5 1/2 Ft | $97 | $187 |
| Crewmax Pickup 4d 5 1/2 Ft | $97 | $187 |
| Double Cab Sr5 | $100 | $195 |
| Crewmax Limited Pickup 4d 6 1/2 Ft | $102 | $199 |
| Crewmax 1794 Edition Pickup 4d 5 1/2 Ft | $104 | $201 |
| Crewmax Sr5 | $104 | $203 |
| Hybrid Crewmax Limited Pickup 4d 6 1/2 Ft | $108 | $211 |
| Hybrid Crewmax Limited Pickup 4d 5 1/2 Ft | $109 | $212 |
| Crewmax Platinum Pickup 4d 6 1/2 Ft | $110 | $214 |
| Double Cab Limited | $112 | $219 |
| Crewmax 1794 Edition Pickup 4d 6 1/2 Ft | $115 | $223 |
| Hybrid Crewmax 1794 Edition Pickup 4d 5 1/2 Ft | $116 | $226 |
| Crewmax Limited | $117 | $229 |
| Hybrid Crewmax Platinum Pickup 4d 5 1/2 Ft | $117 | $229 |
| Hybrid Crewmax 1794 Edition Pickup 4d 6 1/2 Ft | $119 | $232 |
| Hybrid Crewmax Capstone Pickup 4d 5 1/2 Ft | $120 | $234 |
| Hybrid Crewmax Platinum Pickup 4d 6 1/2 Ft | $121 | $236 |
| Hybrid Crewmax Limited | $124 | $242 |
| I-Force Crewmax Limited | $127 | $247 |
| Hybrid Crewmax Trd Pro Pickup 4d 5 1/2 Ft | $130 | $253 |
| Crewmax Platinum | $135 | $264 |
| Crewmax 1794 Edition | $137 | $268 |
| Hybrid Crewmax Platinum | $141 | $275 |
| Hybrid Crewmax 1794 Edition | $143 | $278 |
| I-Force Crewmax Platinum | $147 | $286 |
| I-Force Crewmax 1794 Edition | $150 | $292 |
| Hybrid Crewmax Trd Pro | $158 | $309 |
| I-Force Crewmax Trd Pro | $163 | $318 |
| Hybrid Crewmax 1794 Limited Edition | $166 | $324 |
| Hybrid Crewmax Capstone | $167 | $325 |
| I-Force Crewmax Capstone | $173 | $338 |
How to Lower the Cost of Toyota Tundra Insurance
These proven tips help you find better rates on your Toyota Tundra insurance:
- 1Choose the Right Coverage
You'll need to decide how much coverage to buy for your Toyota Tundra. If you own your Toyota, you can get your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to lower premiums. If you want enhanced protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for pickup trucks. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, read forum feedback on claims processing, examine Better Business Bureau complaints and verify AM Best financial stability. Budget insurers might offer limited coverage or slower service.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Toyota Tundra owners often get safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts for combining policies.
- 5Consider Alternative Car Insurance Types
Toyota Tundra owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving and deliver premium reductions.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Toyota Tundra insurance.
Toyota Tundra Insurance Cost: Bottom Line
Toyota Tundra insurance costs fall in the average range compared to other vehicles, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best rate.
Toyota Tundra Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Tundra?
Toyota Tundra insurance costs $1,138 annually for minimum coverage and $2,208 for full coverage. These rates average $95 and $184 monthly respectively.
What company has the cheapest car insurance for a Toyota Tundra?
GEICO provides the most affordable auto insurance for Toyota Tundra owners at $764 annually for minimum coverage. Full coverage seekers also get the best value with GEICO at $1,659 per year.
Are Toyota Tundras expensive to insure?
No, Toyota Tundra insurance is not more expensive than most vehicles. The Tundra ranks 429th out of 827 models for affordability, placing it in the more affordable half. Among pickup trucks specifically, it sits at 26th out of 40 for insurance costs.
What factors affect insurance costs for Toyota Tundras?
Various elements affect Toyota Tundra insurance costs beyond just the vehicle itself. Your driving record and credit score influence rates, along with the coverage levels you select. The Tundra's pickup truck classification and repair costs also factor into premiums.
How can I lower Toyota Tundra insurance costs?
Compare quotes from several insurers since Toyota Tundra pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Toyota Tundra Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Tundra insurance costs.
Who We Based These Rates On
These Toyota Tundra rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.