Compare the Cost of Toyota Tundra Insurance by Model Year and Company

The cost of insurance for a Toyota Tundra can vary depending on the age of the driver, the model year and the insurer. On a full coverage policy, a 16-year-old will pay an average of $5,508 a year for a 2009 Toyota Tundra, while a 40-year-old driver's average premium would be $1,182. For the 2022 model year, a 16-year-old's average insurance rate is $7,151, and a 40-year-old driver's is $1,592.

MoneyGeek scored the best insurers based on their affordability, customer service and claims experience.

The average cost of insuring a Toyota Tundra is $1,438 annually, but your rates may vary depending on your chosen company. GEICO is the most affordable option for a full coverage policy, offering an average annual rate of $1,139, while Farmers is the most expensive at $1,717. If you opt for minimum coverage, State Farm is the cheapest option at $482 per year on average, and Farmers is the most expensive at $800.

Insurance rates for a Toyota Tundra can fluctuate depending on the driver's age, driving record and the car's registered location. Certain models, however, may be more expensive to cover due to their value, repair costs or likelihood of being stolen. The cost of insuring a Toyota Tundra is moderate compared to other car models due to its relative safety and fair purchase price.

Our research showed that the best auto insurance providers prioritize cost, claims management and customer experience. Based on our rankings, we found that the best companies to insure your Toyota Tundra are:

• State Farm: MoneyGeek score 90 out of 100 ($1,154 per year)
• GEICO: MoneyGeek score 90 out of 100 ($1,139 per year)

State Farm offered the best combination of affordability and customer satisfaction of the seven insurers we reviewed. These scores translate to quality service for a great price.

A full coverage policy for a 2009 Toyota Tundra is about $1,182 annually, while the same policy for a 2022 model costs an average of $1,592 per year. The average cost of car insurance for a Toyota Tundra will depend on the model year. Newer vehicles are typically more expensive to insure than older models since cars decrease in value with age.

Your average car insurance rates will depend on the provider and the car’s model year. For a 2009 Toyota Tundra, State Farm is the most affordable insurer, with an annual rate of $928 for a full coverage policy. GEICO is the cheapest option for the 2022 model, with an average yearly rate of $1,275.

Providers will consider the driver's age when setting insurance rates for a Toyota Tundra. Auto insurance costs for drivers in their teens and early 20s are generally much more expensive than for drivers in their 30s and 40s. The average rate for comprehensive coverage on a Toyota Tundra for a 16-year-old is approximately $6,378, while a 40-year-old would pay around $1,395 for the same policy. As teen drivers age, their premiums tend to decrease until they reach their 20s, at which point their rates become more stable.

To find the most affordable premiums, teen drivers should join a family plan instead of choosing an expensive individual plan. State Farm offers full coverage on a 2022 Toyota Tundra for a 16-year-old driver at an annual rate of $4,360, while Farmers’ rate is $10,174 for the same policy. These figures are for individual policies, but joining a family policy could significantly reduce these costs. Shopping around and comparing quotes is the best way for teen drivers to find an inexpensive insurer.

Insurance companies will consider the driver’s age and the model year of your Toyota Tundra when setting insurance rates, but location might be the single most significant factor. Generally, Florida has the highest car insurance rates, while Idaho has the most affordable. MoneyGeek recommends gathering quotes from the cheapest insurers in your state to find the best rates.

MoneyGeek answered your most common questions regarding the quality and affordability of insuring a Toyota Tundra.