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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Toyota Tundra is one of the most popular vehicles in the U.S., and it’s relatively affordable to insure, too.[1] Tundra drivers pay an average monthly rate of $100 for liability-only coverage and $184 for full coverage, according to our research. That’s below the U.S. national averages of $106 and $194, respectively.
Your costs will likely vary, but you could save even more by choosing the right insurer. For example, Mile Auto offers liability-only coverage for the Tundra for an average of just $70 per month.
We’ll explain what you need to know about Toyota Tundra insurance and how you can get the cheapest coverage for your truck.
Toyota Tundra drivers pay an average of $142 per month for auto insurance, $10 less than the U.S. national average.
Mile Auto offers the cheapest rates for Tundra owners.
Some of the best auto insurers for your Tundra include State Farm, GEICO, and Root.
How much you pay for car insurance largely depends on the policy you choose. While liability-only insurance costs less, your policy covers only bodily injuries and property damage you cause to others in an accident.
Full-coverage policies include liability insurance, collision coverage, and comprehensive insurance to protect you and your vehicle. And if you finance or lease your car, your lender will likely require you to have it.[2]
The table below compares the average monthly premiums for the Toyota Tundra with the U.S. national average for all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Tundra | $100 | $184 | $142 |
| All vehicles | $107 | $197 | $152 |
On average, Tundra drivers pay $100 per month for liability-only policies and $184 per month for full coverage. But your rate can vary depending on factors like your driving habits, where you live, and your age.[3]
No matter how much you pay for car insurance, you can always try to find cheaper coverage for your Toyota Tundra.
Shopping around and comparing quotes can help you maximize your savings. We analyzed rates from different insurers to find the five cheapest companies for Toyota Tundra coverage. You can find them in the table below.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $70 |
| Certainly | $77 |
| Nationwide | $78 |
| Travelers | $81 |
| Apparent | $87 |
Mile Auto, which offers pay-per-mile insurance, has the lowest average premium for the Tundra, at $70 per month.
It’s important to note that while these companies offer the cheapest average rates, that doesn’t mean they’re the cheapest for everyone. You should still compare quotes from multiple insurers to make sure you get the best deal.
Next, let’s break down the best insurers for your Toyota Tundra.
Compare quotes from 100+ insurers and save.
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No single car insurance company is the best for everyone, so comparing policies from different insurers can help you find the best coverage.
To help you get started, we found three of the best auto insurers for your Toyota Tundra. We picked these companies based on a combination of their average rates, available discounts, customer reviews, and coverages offered.
Compare.com Rating: 4.9 out of 5
Offers a wide range of discounts
Above-average claims satisfaction rating from J.D. Power[4]
Offers roadside assistance
Few coverage options available
Not available in Massachusetts or Rhode Island
Above-average number of customer complaints
State Farm offers discounts tailored to students and newer drivers. For example, teens and young drivers can save money by completing an approved driver education course or using State Farm’s Steer Clear and Drive Safe & Save telematics programs.
With State Farm’s good student discount, students can also get up to 25% off their premiums if they maintain good grades.
Compare.com Rating: 4.65 out of 5
Many discounts available
Offers various insurance products
Available in all 50 U.S. states and Washington, D.C.
Below-average claims satisfaction rating
Gap insurance not available
Few local agents
GEICO helps drivers from all backgrounds save money. The company offers a wide range of discounts, including multi-vehicle, paperless, and defensive driving.
GEICO also offers many other insurance products — including homeowners and renters insurance — that you can bundle with your car insurance to save even more.
Compare.com Rating: 3.4 out of 5
Low rates for safe drivers
Quick claims process
Offers roadside assistance
Not a good option for high-risk drivers
Few discounts available
Available in only 35 states
Rather than complicating things with a long list of pricing factors, Root uses your actual driving habits to determine your costs. The insurer tracks your speed, braking, phone usage, and drive times with a smartphone app and uses that data to set your rate.
You can even try out Root before switching insurers to make sure it’s the best option for you.
Compare personalized quotes from dozens of America’s top insurers.
Your Tundra’s age can affect how much you pay for insurance. More expensive cars typically cost more to repair or replace, so you’ll likely pay more to insure a newer car than an older model that has depreciated in value.
Let’s break down average monthly premiums for different Tundra model years, according to Compare.com data.
Tundra Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $201 | Mile Auto | $99 |
| 2024 | $188 | Mile Auto | $92 |
| 2023 | $185 | Mile Auto | $91 |
| 2022 | $188 | Mile Auto | $93 |
| 2021 | $162 | Mile Auto | $80 |
| 2020 | $153 | Mile Auto | $75 |
| 2019 | $160 | Mile Auto | $79 |
| 2018 | $152 | Mile Auto | $75 |
| 2017 | $150 | Mile Auto | $74 |
| 2016 | $145 | Mile Auto | $71 |
| 2015 | $148 | Mile Auto | $73 |
| 2014 | $135 | Mile Auto | $67 |
Your location can also influence your insurance rates. Let’s look at how insurance rates can vary by state.
Where you live also determines what you’ll pay for your Toyota Tundra coverage. Each state has different rates of vandalism, theft, accidents, litigation, and insurance fraud. Repair costs and weather trends also can vary from state to state.
The table below lists the average rates by state for the Toyota Tundra, according to Compare.com data:
State | Average Monthly Premium |
|---|---|
| Alabama | $94 |
| Arizona | $125 |
| Arkansas | $180 |
| California | $181 |
| Colorado | $147 |
| Connecticut | $285 |
| Delaware | $174 |
| Florida | $183 |
| Georgia | $186 |
| Idaho | $94 |
| Illinois | $117 |
| Indiana | $101 |
| Iowa | $85 |
| Kansas | $115 |
| Kentucky | $183 |
| Louisiana | $169 |
| Maine | $111 |
| Maryland | $258 |
| Massachusetts | $141 |
| Michigan | $220 |
| Minnesota | $141 |
| Mississippi | $141 |
| Missouri | $137 |
| Montana | $114 |
| Nebraska | $132 |
| Nevada | $224 |
| New Hampshire | $86 |
| New Jersey | $149 |
| New Mexico | $108 |
| New York | $361 |
| North Carolina | $70 |
| North Dakota | $108 |
| Ohio | $95 |
| Oklahoma | $122 |
| Oregon | $121 |
| Pennsylvania | $123 |
| Rhode Island | $108 |
| South Carolina | $206 |
| South Dakota | $91 |
| Tennessee | $106 |
| Texas | $166 |
| Utah | $137 |
| Vermont | $102 |
| Virginia | $136 |
| Washington | $105 |
| District of Columbia | $213 |
| West Virginia | $108 |
| Wisconsin | $95 |
| Wyoming | $91 |
You may get to choose where you live, but insurers use other factors outside of your control to determine insurance rates, including your age.
Your age is one of the most influential factors for car insurance. Older drivers tend to obey traffic laws more and have fewer accidents than younger drivers, which leads to lower rates. On the other hand, teen drivers have higher rates of fatal accidents, which can drive up prices substantially.[5] [6]
Let’s look at the average monthly premiums for the Toyota Tundra by different age groups, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $267 | Mile Auto | $132 |
| Adults | $130 | Mile Auto | $64 |
| Seniors | $109 | Mile Auto | $54 |
On average, teen drivers pay twice as much as older drivers, according to our research. Rates can drop substantially as you age, but they typically increase again around your 70s.
While you can’t do anything about your age, you can potentially influence what you pay for coverage through your driving habits.
A poor driving record — one including speeding tickets, at-fault accidents, or DUIs — can increase your insurance rate.[7] High-risk drivers pay significantly more for coverage than drivers with clean records.
Here’s how certain infractions on your record can affect your insurance costs, according to Compare.com data:
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $142 | Mile Auto | $70 |
| Speeding ticket | $197 | Mile Auto | $97 |
| At-fault accident | $206 | Mile Auto | $101 |
| DUI | $234 | Mile Auto | $115 |
Speeding tickets and at-fault accidents increase your monthly premium by similar amounts. But a DUI can increase your monthly premium by a staggering 65%.
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Specific features for your Toyota Tundra can help you save money on your insurance coverage. For example, safety features can lower your risk of causing an accident, which reduces how much you pay for car insurance.
Toyota’s Safety Sense technology includes pedestrian detection, dynamic radar cruise control, lane assist, and automatic high beams.[8] These safety features can reduce your risk of a collision.
Other features — including blind-spot monitoring, rear cross-traffic alerts, and trailer merge warnings — can also help minimize risks and maximize your savings.
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Your Tundra’s safety features are just one factor that influences your insurance rates. Some other steps you can take to lower your costs include:
Choose a cheaper trim: The 2025 Tundra has 10 trim levels to choose from.[9] Opting for a less expensive trim could help you lower your premium because cheaper cars typically cost less to insure.
Opt for rear-wheel drive: Unless you live in an area where four-wheel drive is necessary, you could save money by choosing a rear-wheel drive Tundra.
Bundle your coverage: You can often get a discount if you insure your car and home with the same insurance company.[10]
Raise your deductibles: Raising your deductible can help reduce your monthly insurance costs. But make sure you can afford the out-of-pocket cost if you need to file a claim.
Shop around for coverage: Comparing quotes from multiple insurance companies can help you find the cheapest rates for the coverage you need.
Get personalized rates for your Toyota Tundra.
Below, we answered some common insurance questions to help you find the best coverage for your Toyota Tundra.
No. The average monthly rate for the Toyota Tundra is $142, cheaper than the U.S. national average for all vehicles of $150, according to Compare.com data. But your personal rate can vary depending on factors like your age, gender, and driving history.
Mile Auto offers the cheapest average rates for Toyota Tundra drivers — just $70 per month, according to Compare.com data. But you should shop around and compare quotes from multiple insurance companies to find the best insurer for you.
Insuring the 2025 Toyota Tundra costs an average of $201 per month, according to our data. But how much you pay for insurance can vary by your location and driving habits.
The 4Runner is the cheapest Toyota to insure, with rates averaging $122 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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