Toyota Tundra Car Insurance: How Much Should You Expect to Pay?

Tundra Overview

The Toyota Tundra is a great budget-friendly option for any driver, with new 2021 models starting at $33,675. Drive off the dealership lot in style, with seven different trim options available.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that average Toyota Tundra insurance prices run about $145 a month. But how does that compare to other similar trucks on the market?

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How Much is Car Insurance for a Toyota Tundra?

You'll see in the table above that car insurance rates for a Toyota Tundra are cheaper than average. Tundra drivers normally pay around $68 per month for liability insurance, and about $141 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other Toyota models, the Tundra is more affordable, with premiums more than 10% lower than the rest of the manufacturer's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Tundra coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive rates than other trucks.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Toyota Tundra?

If you're searching for a new car insurance policy for your Toyota Tundra, you may be wondering which carrier offers the cheapest rates. Even though there will never be one company that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from Aspire. The runner up for cheapest rates is Good2Go, with auto insurance policies starting as cheap as $38 per month.

Rounding out the list are Horace Mann, StateAuto, and Amica. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance companies look at a range of variables when calculating premiums. By getting quotes from a wide array of car insurance carriers at once, you can be confident you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Toyota Tundra?

As we mentioned above, there are a bunch of things that auto insurance companies look at to determine how much they charge for a policy -- and each carrier weighs certain factors more than others, so there's not just one company that's the most affordable for everyone.

The following sections show multiple factors insurance carriers use to choose rates:

Vehicle Age

The Toyota Tundra has been around for a while -- that means vehicle age can play a big role in what you end up paying for auto insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Tundras begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Toyota Tundra follows this trend, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are Tundras that are 2 to 3 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much car insurance companies will charge for auto insurance. Based on the information in the table above, young drivers pay more expensive prices compared to those who have more experience on the road. In this case, drivers under 18 pay $18 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Tundra drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. The Toyota Tundra sticks to the norm, where women pay around $8 less than men a month for car insurance.

Where You Live

You were probably already aware that things like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live matters, too? Because insurance is regulated on the state level and not nationally, prices change quite a bit from state to state.

For example, the average Toyota Tundra driver in New York pays about $109 monthly for liability coverage. Meanwhile, the same Californian owner will pay less than half of that price, on average. The table referenced above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

Toyota Tundra Car Insurance Discounts

Whatever your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-vehicle discounts for having several cars on your auto policy

• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings

There are countless ways to save money on your auto insurance if you know where to look. Often, it's actually having a favorable driving record and insurance profile that get you the cheapest rates.

While you can't control every variable car insurance carriers consider to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've almost certainly heard ads from auto insurance companies posting hefty discounts for safe drivers. It should be no surprise that if you get a speeding ticket or get into an accident, insurance premiums will increase. But exactly how much is it going to cost you for these infractions?

Based on the table above, accidents will usually cost Tundra drivers more than tickets, but both will result in above average rates. Toyota Tundra drivers with a single ticket will pay about $83 per month, while drivers with one accident on their record pay an average of $90 a month (up $22 from the $68/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the total amount of miles you drive each year. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up paying less for car insurance. In the table above, you can see that Toyota Tundra owners who drive fewer than 2,500 miles per year pay an average of $61 a month for insurance, while those who put 10,000 miles or more on their cars pay $72.

If you don't use your Toyota Tundra to travel or commute regularly, it may be worth getting pay-per-mile or usage-based auto insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Toyota Tundras Compare to Other Vehicles?

If you're thinking about buying a Toyota Tundra, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Toyota Tundra compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Toyota Tundra is a fantastic value when it comes to price. While the average vehicle MSRP in the U.S. is $46,179, the Tundra retails at just $33,675.

In the same fashion, car insurance rates are cheaper when compared to the rest of the vehicle market. Liability insurance for a Toyota Tundra is around $31 per month less than average, while full coverage is over $30 cheaper monthly.

When it comes to usage, Toyota Tundra owners drive about the same amount annually as the national average, with 10,971 miles every year compared to 11,660 for all vehicles.

Toyota Tundra Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on what you'll pay for insurance. But if you're considering buying a new Tundra, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

That's why we've done the heavy lifting and analyzed Toyota Tundra car insurance prices by model year. Choose a specific Tundra model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, such as which trim levels are offered, who offers the cheapest policies, and the base MSRP for each Tundra model year.

2021 Toyota Tundra Car Insurance

If you're in the market for a brand new Toyota Tundra, there are plenty of options to choose from. A base model Tundra will put you back $33,675 (plus taxes and other fees), but with seven different trim levels to pick from, the price can go up from there.

On average, it costs about $50 a month to insure a 2021 Toyota Tundra for liability only and $130 per month for full coverage. And if you want the most affordable insurance possible, Amica offers liability only policies for sometimes as low as $30 a month.

Although this gave you a good idea of what the average 2021 Tundra will cost to insure, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, with Compare.com you can compare quotes from lots of carriers at once, all for free. Simply enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

2020 Toyota Tundra Car Insurance

If you're in the market for a 2020 Tundra or already own one, you're most likely looking at an average auto insurance premium of around $203 for full coverage or $90 for a liability only policy.

And if you're just looking for the lowest insurance for your Tundra, Shelter Mutual offers liability only policies for as cheap as just $29 monthly.

If you want to know exactly how much you can expect to pay for your Tundra, just enter your ZIP code below and get free quotes in minutes.

2019 Toyota Tundra Car Insurance

The average cost to insure a 2019 Toyota Tundra with liability only coverage is $135 per month, while full coverage runs about $178 a month.

If you're looking for the most affordable 2019 Toyota Tundra insurance policy, Dairyland offered the cheapest policy we found, with rates as little as $35 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2018 Toyota Tundra Car Insurance

On average, drivers who own a 2018 Tundra can expect to pay $71 to $175 per month for liability only and full coverage car insurance, respectively.

With premiums as little as just $32 monthly, Dairyland offered the lowest policy we found for the 2018 Toyota Tundra.

Want to find the most affordable rates? Just enter your ZIP code below to get a variety of free customized quotes.

2017 Toyota Tundra Car Insurance

It costs around $62 a month for liability or $161 for a full coverage policy for the 2017 Toyota Tundra.

We found Commonwealth Casualty offered the cheapest policy, with rates sometimes as little as $19 per month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2016 Toyota Tundra Car Insurance

2016 Tundra drivers can expect to pay an average of $60 a month for liability or $136 for full coverage.

Safeco has rates sometimes as cheap as $16 monthly for the 2016 Toyota Tundra.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

2015 Toyota Tundra Car Insurance

You can expect full coverage for a 2015 Toyota Tundra to run about $151 per month, while liability only coverage will average around $69 monthly.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as low as just $22 a month.

What will your auto insurance rate be? Get several free personalized quotes by just entering your ZIP code below.

2014 Toyota Tundra Car Insurance

On average, drivers who own a 2014 Tundra can expect to pay $74 to $153 per month for liability only and full coverage insurance, respectively.

With prices as cheap as $23 monthly, Safeco offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2013 Toyota Tundra Car Insurance

It costs about $59 per month for liability or $138 for a full coverage policy for the 2013 Toyota Tundra.

Commonwealth Casualty offered the cheapest policy we found, with rates sometimes as little as $22 a month.

Want to know exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

2012 Toyota Tundra Car Insurance

The average cost to insure a 2012 Tundra with liability only coverage is $55 monthly, while full coverage runs around $128 per month.

With rates sometimes as low as $22 a month, MetLife offered the most affordable policy we found for the 2012 Toyota Tundra.

While these are good estimates of what the average driver might pay to insure a 2012 Toyota Tundra, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2011 Toyota Tundra Car Insurance

You can expect full coverage for a 2011 Toyota Tundra to run about $136 monthly, while liability only coverage will average around $71 a month.

MetLife has rates sometimes as cheap as $21 per month for the 2011 Toyota Tundra.

If you want to know exactly how much you can expect to pay for your Tundra, just enter your ZIP code below and get several free quotes in minutes.

2010 Toyota Tundra Car Insurance

2010 Tundra drivers can expect to pay an average of $65 a month for liability or $143 for full coverage.

We found Kemper offered the cheapest policy, with rates as low as $18 monthly.

Want something more accurate than national averages? Get several customized quotes for free by just entering your ZIP code below.

2009 Toyota Tundra Car Insurance

The average cost to insure a 2009 Toyota Tundra with liability only coverage is $81 per month, while full coverage runs about $122 a month.

Looking for the lowest policy? Arrowhead offered liability only coverage for as little as $24 monthly.

If you want to know exactly how much you can expect to pay for your Tundra, get free quotes in minutes by just entering your ZIP code below.

Toyota Tundra Insurance FAQs