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

MoneyGeek found that the average insurance rate for the Toyota Tundra is $1,200 per year. It is relatively inexpensive compared to the average across all models. Keep in mind that rates can vary depending on factors such as your driving profile and your choice of insurer.

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Last Updated: 10/31/2022
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Collecting and comparing insurance quotes for the Toyota Tundra is an effective way to get the best deals. Different companies will have different costs to insure the same car. Rates between insurers can also vary based on the model year of your vehicle.

Key Takeaways for Toyota Tundra Insurance

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The cost of insurance for the Toyota Tundra is $1,200 per year on average. It’s $227 cheaper than the insurance rate for the average car model.

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Insurance rates for the Toyota Tundra can change by as much as $425 per year depending on the insurer you choose.

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Insurance costs for the Toyota Tundra can also vary by as much as $422 per year depending on the age of your car, with older models fetching lower rates.

How Much It Costs to Insure a Toyota Tundra and the Cheapest Company

Your choice of insurer can have a big impact on your Toyota Tundra insurance rates. It costs an average of $1,200 a year to insure a Toyota Tundra.

GEICO offers the cheapest insurance for a Toyota Tundra at $1,031 per year on average. In comparison, Allied has the most expensive rate at $1,455 per year on average. That’s a potential difference of $425 every year.

The Average Annual Cost of Toyota Tundra Insurance by Company

MoneyGeek collected rates from several insurers using a sample driver profile. In this case, the driver is a 40-year-old male with 100/300/100 liability insurance plus comprehensive and collision coverage.

The Average Cost to Insure a Toyota Tundra by Company

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Is a Toyota Tundra Expensive to Insure?

Insurers examine a variety of factors to determine insurance costs for any given vehicle. They take details such as engine power, designation and value into consideration when determining rates.

Compared to the average, a Toyota Tundra is relatively inexpensive to insure. One reason for this is because it is considered a low-cost car, which means the cost to repair this model isn’t expensive. As a result, insurers can charge less to cover it.

The Best Car Insurance Company for a Toyota Tundra

Price, although vital, shouldn’t be your only basis for buying car insurance for your Toyota Tundra. You should also look into other factors before making a decision.

MoneyGeek’s rating system, which includes factors like customer satisfaction and financial stability, found that:

  • USAA is the best car insurance company for the Toyota Tundra, but it is only available for military members and their families.
  • GEICO is the second-best and most widely available insurer for the Toyota Tundra.

1
USAA
Score:98

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:81

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Nationwide
Score:78

3.8/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

6
Allstate
Score:72

3.3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

7
Allied
Score:NaN

3/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

How Much It Costs to Insure a Toyota Tundra by Model Year

Older Toyota Tundras tend to be less expensive to insure because, as a car’s value depreciates, coverages such as collision and comprehensive insurance also become cheaper.

The average cost of insurance for a 2020 Toyota Tundra is $1,402 per year. In comparison, you only pay an average annual rate of $980 for a 2005 model. That’s an annual difference of $422.

Here are the rates for the different model years of the Toyota Tundra:

  • 2005 Toyota Tundra: $980 per year
  • 2010 Toyota Tundra: $1,090 per year
  • 2016 Toyota Tundra: $1,328 per year
  • 2017 Toyota Tundra: $1,358 per year
  • 2018 Toyota Tundra: $1,367 per year
  • 2019 Toyota Tundra: $1,383 per year
  • 2020 Toyota Tundra: $1,402 per year

Different insurers may offer cheaper options depending on the car’s model year. For a 2020 Toyota Tundra, USAA provides the cheapest insurance at $1,163 per year on average.

Select your vehicle’s model year to compare rates from different insurers.

The Average Cost to Insure a Toyota Tundra by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,178
    $1,163
    $1,149
    $1,142
    $1,117
    $967
    $860
  • 2.
    $1,163
    $1,153
    $1,145
    $1,140
    $1,125
    $955
    $890
  • 3.
    $1,362
    $1,366
    $1,370
    $1,372
    $1,379
    $1,106
    $949
  • 4.
    $1,469
    $1,445
    $1,424
    $1,413
    $1,374
    $1,057
    $905
  • 5.
    $1,383
    $1,409
    $1,431
    $1,443
    $1,484
    $1,167
    $1,098

How Expensive Is It to Insure a Toyota Tundra Compared to Other Cars?

Compared to other models, a Toyota Tundra is generally inexpensive to insure. On average, it costs $1,200 per year to insure a Toyota Tundra. That’s $227 less than the average rate across all car models.

How Much It Costs to Insure a Toyota Tundra for 16- to 25-Year-Olds

Young drivers could pay significantly higher insurance rates due to their inexperience on the road.

Insurance for an 18-year-old driver with a Toyota Tundra costs $3,915 per year on average. A 40-year-old driver with the same car pays roughly $2,716 less annually.

Teens and their parents can often save money by staying on the same policy, as it can be very expensive for teens to purchase their own policies.

The table below shows Toyota Tundra insurance rates for young drivers ages 16 to 25.

The Average Cost to Insure a Toyota Tundra by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,019
  • 17
    $4,446
  • 18
    $3,915
  • 19
    $2,804
  • 20
    $2,503
  • 21
    $1,981
  • 22
    $1,825
  • 23
    $1,670
  • 24
    $1,567
  • 25
    $1,422
  • 40
    $1,200

How Does Location Affect the Cost of Toyota Tundra Insurance?

The rates presented in this article are based on a national average, so it is important to keep in mind that insurance quotes for the Toyota Tundra may change depending on your location. MoneyGeek’s state page analysis gives detailed information about car insurance costs in individual states.

FAQs About Toyota Tundra Insurance

Your vehicle’s model can have a big impact on the price of your car insurance, but it is just one of many factors insurers consider. You can refer to the commonly asked questions below to learn more about insuring a Toyota Tundra.

Read More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.