GMC Sierra 1500 vs Toyota Tundra Insurance Cost

The Toyota Tundra is cheaper to insure by about $90 a year for full coverage by our estimate ($1,605 vs. $1,515), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	GMC Sierra 1500	Toyota Tundra	Difference
State minimum	$650	$590	+$60
Standard (100/300/100)	$940	$855	+$85
Full coverage	$1,605	$1,515	+$90

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sierra 1500 minus Tundra.

Why one costs more to insure

Factor	GMC Sierra 1500	Toyota Tundra
Segment	Pickup truck	Pickup truck
Powertrains	Gasoline, Hybrid, Diesel, Flex-fuel	Gasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)	87	94
HLDI comprehensive	121	108
HLDI property damage liability	106	94
HLDI bodily injury liability	117	96
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	12

Collision losses are the biggest swing factor: the Toyota Tundra has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota Tundra.

Sierra 1500 vs Tundra insurance by state

State	Sierra 1500	Tundra	Difference
Alabama	$1,390	$1,320	+$70
Alaska	$1,390	$1,320	+$70
Arizona	$1,695	$1,595	+$100
Arkansas	$1,415	$1,345	+$70
California	$1,530	$1,470	+$60
Colorado	$1,865	$1,750	+$115
Connecticut	$1,695	$1,600	+$95
Delaware	$1,795	$1,685	+$110
District of Columbia	$2,000	$1,900	+$100
Florida	$2,310	$2,160	+$150
Georgia	$1,995	$1,870	+$125
Hawaii	$1,080	$1,035	+$45
Idaho	$1,090	$1,030	+$60
Illinois	$1,385	$1,315	+$70
Indiana	$1,135	$1,080	+$55
Iowa	$1,110	$1,050	+$60
Kansas	$1,310	$1,235	+$75
Kentucky	$1,360	$1,280	+$80
Louisiana	$2,230	$2,100	+$130
Maine	$1,015	$965	+$50
Maryland	$1,795	$1,695	+$100
Massachusetts	$1,555	$1,480	+$75
Michigan	$1,730	$1,645	+$85
Minnesota	$1,360	$1,285	+$75
Mississippi	$1,545	$1,460	+$85
Missouri	$1,470	$1,390	+$80
Montana	$1,310	$1,235	+$75
Nebraska	$1,310	$1,235	+$75
Nevada	$1,840	$1,725	+$115
New Hampshire	$1,125	$1,075	+$50
New Jersey	$1,925	$1,815	+$110
New Mexico	$1,445	$1,365	+$80
New York	$2,155	$2,025	+$130
North Carolina	$1,180	$1,130	+$50
North Dakota	$1,045	$990	+$55
Ohio	$1,140	$1,085	+$55
Oklahoma	$1,460	$1,380	+$80
Oregon	$1,445	$1,355	+$90
Pennsylvania	$1,390	$1,325	+$65
Rhode Island	$1,925	$1,820	+$105
South Carolina	$1,735	$1,625	+$110
South Dakota	$1,280	$1,200	+$80
Tennessee	$1,325	$1,260	+$65
Texas	$1,920	$1,810	+$110
Utah	$1,455	$1,370	+$85
Vermont	$1,030	$985	+$45
Virginia	$1,375	$1,305	+$70
Washington	$1,395	$1,315	+$80
West Virginia	$1,350	$1,280	+$70
Wisconsin	$1,105	$1,045	+$60
Wyoming	$1,295	$1,220	+$75

By driver profile (full coverage)

Driver	Sierra 1500	Tundra
Teen driver (18, own policy)	$4,410	$4,170
Young adult (22)	$2,565	$2,425
Adult in their 30s	$1,605	$1,515
Adult in their 50s	$1,475	$1,395
Senior (72)	$1,795	$1,700
30s, one at-fault accident	$2,325	$2,200
30s, DUI on record	$2,965	$2,805

More comparisons

Frequently asked questions

Is the GMC Sierra 1500 or the Toyota Tundra cheaper to insure?

By our estimate the Toyota Tundra is cheaper, by about $90 a year for full coverage ($1,605 vs. $1,515) for a driver in their 30s with a clean record.

Why does insurance cost differ between the GMC Sierra 1500 and Toyota Tundra?

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 94 and comprehensive indices of 121 vs. 108 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page