Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Tundra? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Tundra facts

  • Average auto insurance premium: $135/month

  • Most affordable companies: Auto-Owners ($74/month) & Progressive ($84/month)

  • Tundra insurance cost vs. average rate: $16 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Tundra by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Tundra insurer costs by state:

Risk factors affecting Toyota Tundra rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Tundra Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1926
Allstate$1669
American Family$1573
Amica$2024
Arbella$1577
Auto-Owners$965
Erie$1168
GEICO$1274
Kentucky Farm Bureau$1516
Mercury$1629
MetLife$1890
Nationwide$1412
Progressive$1010
Safe Auto$1728
State Farm$1492
Tennessee Farmers$1603
Travelers$1710
USAA$1064

Compare all 2021 Toyota Tundra rates

Average Cost to Insure Per Year

$1428

List Price

$33825

Trims Available

SR5 5.7L V8 - Limited 5.7L V8 - TRD Pro 5.7L V8 - 1794 5.7L V8 - Platinum 5.7L V8 - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1598
American Family$1458
Auto-Owners$895
Erie$1062
GEICO$1224
Kentucky Farm Bureau$1403
Mercury$1560
MetLife$1866
Nationwide$1354
Progressive$933
Safe Auto$1695
State Farm$1329
Tennessee Farmers$1524
Travelers$1635
USAA$1027
Vermont Mutual$1759

Compare all 2020 Toyota Tundra rates

Average Cost to Insure Per Year

$1320

List Price

$33575

Trims Available

SR5 5.7L V8 - Limited 5.7L V8 - TRD Pro 5.7L V8 - 1794 5.7L V8 - Platinum 5.7L V8 - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2019 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1530
American Family$1412
Auto-Owners$835
Erie$1039
GEICO$1141
Kentucky Farm Bureau$1364
Mercury$1526
MetLife$1824
Nationwide$1190
Progressive$891
Safe Auto$1628
State Farm$1256
Tennessee Farmers$1455
Travelers$1579
USAA$960
Vermont Mutual$1706

Compare all 2019 Toyota Tundra rates

Average Cost to Insure Per Year

$1213

List Price

$31420

Trims Available

SR - SR5 - Limited - 1794 Edition - Platinum - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2018 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1185
Acuity$ 1185
Allied$ 1188
Allied$ 1188
American Family$ 1257
American Family$ 1257
Erie$ 814
Erie$ 814
GEICO$ 679
GEICO$ 679
Nationwide$ 1046
Nationwide$ 1046
Plymouth Rock Insurance$ 1209
Plymouth Rock Insurance$ 1209
Progressive$ 1097
Progressive$ 1097
State Farm$ 960
State Farm$ 960
Tennessee Farmers$ 1059
Tennessee Farmers$ 1059
USAA$ 870
USAA$ 870
Vermont Mutual$ 1096
Vermont Mutual$ 1096

Compare all 2018 Toyota Tundra rates

Average Cost to Insure Per Year

$ 1140

List Price

$ 31320

Trims Available

SR - SR5 - Limited - 1794 Edition - Platinum

2017 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1047
American Family$ 1047
Country$ 1067
Country$ 1067
Erie$ 678
Erie$ 678
GEICO$ 568
GEICO$ 568
Nationwide$ 954
Nationwide$ 954
Progressive$ 869
Progressive$ 869
Quincy Mutual$ 1003
Quincy Mutual$ 1003
State Farm$ 714
State Farm$ 714
Tennessee Farmers$ 1003
Tennessee Farmers$ 1003
Texas Farm Bureau$ 877
Texas Farm Bureau$ 877
USAA$ 775
USAA$ 775
Vermont Mutual$ 1048
Vermont Mutual$ 1048

Compare all 2017 Toyota Tundra rates

Average Cost to Insure Per Year

$ 948

List Price

$ 30120

Trims Available

SR - SR5 - Limited - TRD Pro - 1794 Edition - Platinum

2016 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1030
American Family$ 1030
Country$ 1038
Country$ 1038
Erie$ 650
Erie$ 650
GEICO$ 548
GEICO$ 548
Nationwide$ 968
Nationwide$ 968
Progressive$ 848
Progressive$ 848
Quincy Mutual$ 983
Quincy Mutual$ 983
State Farm$ 777
State Farm$ 777
Tennessee Farmers$ 970
Tennessee Farmers$ 970
Texas Farm Bureau$ 835
Texas Farm Bureau$ 835
USAA$ 765
USAA$ 765
Vermont Mutual$ 1004
Vermont Mutual$ 1004

Compare all 2016 Toyota Tundra rates

Average Cost to Insure Per Year

$ 922

List Price

$ 29140

Trims Available

SR - SR5 - Limited - TRD Pro - 1794 Edition - Platinum

2015 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1021
American Family$ 1021
Country$ 1054
Country$ 1054
Erie$ 650
Erie$ 650
GEICO$ 581
GEICO$ 581
Nationwide$ 1003
Nationwide$ 1003
Progressive$ 894
Progressive$ 894
Quincy Mutual$ 965
Quincy Mutual$ 965
State Farm$ 758
State Farm$ 758
Tennessee Farmers$ 902
Tennessee Farmers$ 902
Texas Farm Bureau$ 814
Texas Farm Bureau$ 814
USAA$ 769
USAA$ 769
Vermont Mutual$ 955
Vermont Mutual$ 955

Compare all 2015 Toyota Tundra rates

Average Cost to Insure Per Year

$ 930

List Price

$ 28510

Trims Available

SR - SR5 - Limited - TRD Pro - 1794 Edition - Platinum

2014 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1037
Allstate$ 1037
American Family$ 1013
American Family$ 1013
Erie$ 640
Erie$ 640
GEICO$ 561
GEICO$ 561
Nationwide$ 1025
Nationwide$ 1025
Progressive$ 860
Progressive$ 860
Quincy Mutual$ 946
Quincy Mutual$ 946
State Farm$ 755
State Farm$ 755
Tennessee Farmers$ 911
Tennessee Farmers$ 911
Texas Farm Bureau$ 766
Texas Farm Bureau$ 766
USAA$ 732
USAA$ 732
Vermont Mutual$ 920
Vermont Mutual$ 920

Compare all 2014 Toyota Tundra rates

Average Cost to Insure Per Year

$ 901

List Price

$ 26200

Trims Available

SR - SR5 - Limited - 1794 Edition - Platinum

2013 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1015
Acuity$ 1015
American Family$ 984
American Family$ 984
Erie$ 630
Erie$ 630
GEICO$ 526
GEICO$ 526
Nationwide$ 990
Nationwide$ 990
Progressive$ 834
Progressive$ 834
Quincy Mutual$ 927
Quincy Mutual$ 927
State Farm$ 693
State Farm$ 693
Tennessee Farmers$ 865
Tennessee Farmers$ 865
Texas Farm Bureau$ 743
Texas Farm Bureau$ 743
USAA$ 695
USAA$ 695
Vermont Mutual$ 875
Vermont Mutual$ 875

Compare all 2013 Toyota Tundra rates

Average Cost to Insure Per Year

$ 869

List Price

$ 25455

Trims Available

Grade - Limited - Platinum

2012 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 957
Acuity$ 957
American Family$ 956
American Family$ 956
Erie$ 598
Erie$ 598
GEICO$ 504
GEICO$ 504
Nationwide$ 969
Nationwide$ 969
Progressive$ 806
Progressive$ 806
Quincy Mutual$ 909
Quincy Mutual$ 909
State Farm$ 665
State Farm$ 665
Tennessee Farmers$ 836
Tennessee Farmers$ 836
Texas Farm Bureau$ 736
Texas Farm Bureau$ 736
USAA$ 666
USAA$ 666
Vermont Mutual$ 813
Vermont Mutual$ 813

Compare all 2012 Toyota Tundra rates

Average Cost to Insure Per Year

$ 840

List Price

$ 25155

Trims Available

Grade - Limited

2011 Toyota Tundra

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 938
Allstate$ 938
American Family$ 942
American Family$ 942
Arbella$ 919
Arbella$ 919
Erie$ 579
Erie$ 579
GEICO$ 482
GEICO$ 482
Progressive$ 790
Progressive$ 790
Quincy Mutual$ 891
Quincy Mutual$ 891
State Farm$ 686
State Farm$ 686
Tennessee Farmers$ 814
Tennessee Farmers$ 814
Texas Farm Bureau$ 699
Texas Farm Bureau$ 699
USAA$ 633
USAA$ 633
Vermont Mutual$ 757
Vermont Mutual$ 757

Compare all 2011 Toyota Tundra rates

Average Cost to Insure Per Year

$ 827

List Price

$ 24435

Trims Available

Grade - Limited