Toyota Tundra Insurance Cost

Full coverage for a Toyota Tundra costs about $1,515 a year ($126/month) by our estimate — ▼ −5% versus the average vehicle, ranking 101st cheapest of 310 current models.

Toyota Tundra exterior (photo from Wikimedia Commons) — Photo: MercurySable99, CC BY-SA 4.0

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

Toyota Tundra insurance cost at a glance

Full coverage

$1,515

$126/mo · $1,245–$1,790

Minimum liability

$590

$49/mo

Segment

Pickup truck

Gasoline, Hybrid, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Tundra.

Estimated Toyota Tundra premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$590	$49	$480–$695
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$855	$71	$700–$1,005
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,515	$126	$1,245–$1,790

What drives the cost of insuring a Toyota Tundra

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Tundra's results put our vehicle factor at 0.96× for liability, 0.95× for collision and 1.08× for comprehensive.

HLDI relative insurance losses — Toyota Tundra CrewMax (Large Pickups)
Coverage	Index	Rating	What it measures
Collision	94	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	94	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	96	Average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	80	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	94	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (10)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Toyota Tundra CrewMax	94	108	94	96
Toyota Tundra CrewMax 4WD	92	117	84	78
Toyota Tundra double cab 4WD	88	117	97	74
Toyota Tundra CrewMax pickup LWB 4WD	100	130	90	85
Toyota Tundra CrewMax hybrid pickup 4WD	124	143	92	74
Toyota Tundra double cab	72	96	119	—
Toyota Tundra CrewMax pickup LWB	103	99	104	—
Toyota Tundra CrewMax hybrid pickup	146	127	137	—
Toyota Tundra CrewMax hybrid pickup LWB 4WD	98	184	95	—
Toyota Tundra double cab LWB 4WD	88	—	—	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 12 NHTSA recall campaigns and 501 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Tundra trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Tundra 2WD	RWD	3.4L 6-cyl Turbo	20
Tundra 2WD TRD Perf	RWD	3.4L 6-cyl Turbo	20
Tundra 4WD	4WD	3.4L 6-cyl Turbo	19
Tundra 4WD TRD Perf	4WD	3.4L 6-cyl Turbo	19
Tundra Hybrid 2WD	RWD	3.4L 6-cyl Turbo Hybrid	22
Tundra Hybrid 2WD TRD Perf	RWD	3.4L 6-cyl Turbo Hybrid	22
Tundra Hybrid 4WD	4WD	3.4L 6-cyl Turbo Hybrid	20
Tundra Hybrid 4WD PRO	4WD	3.4L 6-cyl Turbo Hybrid	19
Tundra Hybrid 4WD PRO TRD Perf	4WD	3.4L 6-cyl Turbo Hybrid	19
Tundra Hybrid 4WD TRD Per	4WD	3.4L 6-cyl Turbo Hybrid	20

Toyota Tundra insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	3.4L 6-cyl Turbo, 3.4L 6-cyl Turbo Hybrid	4WD, RWD	19–22	$1,515
2025	3.4L 6-cyl Turbo, 3.4L 6-cyl Turbo Hybrid	4WD, RWD	19–22	$1,485
2024	3.4L 6-cyl Turbo, 3.4L 6-cyl Turbo Hybrid	4WD, RWD	19–22	$1,455
2023	3.4L 6-cyl Turbo, 3.4L 6-cyl Turbo Hybrid	4WD, RWD	19–22	$1,425
2022	3.4L 6-cyl Turbo, 3.4L 6-cyl Turbo Hybrid	4WD, RWD	19–22	$1,390
2021	5.7L 8-cyl	4WD, RWD	14–15	$1,360
2020	5.7L 8-cyl	4WD, RWD	14–15	$1,330
2019	4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	14–16	$1,295
2018	4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	14–16	$1,265
2017	4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–16	$1,235
2016	4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–17	$1,205
2015	4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–17	$1,200
2014	4.0L 6-cyl, 4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–17	$1,200
2013	4.0L 6-cyl, 4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–17	$1,200
2012	4.0L 6-cyl, 4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–18	$1,200
2011	4.0L 6-cyl, 4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	14–18	$1,200
2010	4.0L 6-cyl, 4.6L 8-cyl, 5.7L 8-cyl	4WD, RWD	14–17	$1,200
2009	4.0L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	14–16	$1,200
2008	4.0L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	14–17	$1,200
2007	4.0L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	14–17	$1,200

Toyota Tundra insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Tundra page for that state.

State	Full coverage	Minimum	vs. national	Tundra page
Alabama	$1,320	$460	−13%	Tundra in AL
Alaska	$1,320	$600	−13%	Tundra in AK
Arizona	$1,595	$635	+5%	Tundra in AZ
Arkansas	$1,345	$430	−11%	Tundra in AR
California	$1,470	$550	−3%	Tundra in CA
Colorado	$1,750	$625	+16%	Tundra in CO
Connecticut	$1,600	$680	+6%	Tundra in CT
Delaware	$1,685	$770	+11%	Tundra in DE
District of Columbia	$1,900	$710	+25%	Tundra in DC
Florida	$2,160	$1,035	+43%	Tundra in FL
Georgia	$1,870	$835	+23%	Tundra in GA
Hawaii	$1,035	$415	−32%	Tundra in HI
Idaho	$1,030	$385	−32%	Tundra in ID
Illinois	$1,315	$475	−13%	Tundra in IL
Indiana	$1,080	$385	−29%	Tundra in IN
Iowa	$1,050	$295	−31%	Tundra in IA
Kansas	$1,235	$385	−18%	Tundra in KS
Kentucky	$1,280	$505	−16%	Tundra in KY
Louisiana	$2,100	$760	+39%	Tundra in LA
Maine	$965	$405	−36%	Tundra in ME
Maryland	$1,695	$720	+12%	Tundra in MD
Massachusetts	$1,480	$565	−2%	Tundra in MA
Michigan	$1,645	$735	+9%	Tundra in MI
Minnesota	$1,285	$450	−15%	Tundra in MN
Mississippi	$1,460	$510	−4%	Tundra in MS
Missouri	$1,390	$490	−8%	Tundra in MO
Montana	$1,235	$375	−18%	Tundra in MT
Nebraska	$1,235	$385	−18%	Tundra in NE
Nevada	$1,725	$830	+14%	Tundra in NV
New Hampshire	$1,075	$385	−29%	Tundra in NH
New Jersey	$1,815	$895	+20%	Tundra in NJ
New Mexico	$1,365	$500	−10%	Tundra in NM
New York	$2,025	$890	+34%	Tundra in NY
North Carolina	$1,130	$430	−25%	Tundra in NC
North Dakota	$990	$265	−35%	Tundra in ND
Ohio	$1,085	$385	−28%	Tundra in OH
Oklahoma	$1,380	$450	−9%	Tundra in OK
Oregon	$1,355	$600	−11%	Tundra in OR
Pennsylvania	$1,325	$410	−13%	Tundra in PA
Rhode Island	$1,820	$785	+20%	Tundra in RI
South Carolina	$1,625	$700	+7%	Tundra in SC
South Dakota	$1,200	$300	−21%	Tundra in SD
Tennessee	$1,260	$435	−17%	Tundra in TN
Texas	$1,810	$660	+19%	Tundra in TX
Utah	$1,370	$625	−10%	Tundra in UT
Vermont	$985	$305	−35%	Tundra in VT
Virginia	$1,305	$600	−14%	Tundra in VA
Washington	$1,315	$565	−13%	Tundra in WA
West Virginia	$1,280	$420	−16%	Tundra in WV
Wisconsin	$1,045	$355	−31%	Tundra in WI
Wyoming	$1,220	$310	−19%	Tundra in WY

Toyota Tundra insurance by driver profile

Estimated annual Toyota Tundra premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,615	$2,345	$4,170	$348
Young adult (22)	$940	$1,365	$2,425	$202
Adult in their 30s	$590	$855	$1,515	$126
Adult in their 50s	$540	$785	$1,395	$116
Senior (72)	$660	$955	$1,700	$142
30s, one at-fault accident	$855	$1,235	$2,200	$183
30s, DUI on record	$1,090	$1,580	$2,805	$234

Toyota Tundra vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Tundra	$1,515	94	108	—
Tesla Cybertruck	$1,600	—	—	Compare
GMC Sierra 1500	$1,605	87	121	Compare
Nissan Titan	$1,420	96	105	Compare

Estimate Toyota Tundra insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

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Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
Corolla $1,705/yr
GR86 $2,095/yr
Land Cruiser $1,290/yr
Prius $1,595/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Highlander $1,410/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tacoma $1,375/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Tundra?

We estimate about $1,515 a year ($126 a month) for full coverage and $590 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% less than the average vehicle.

Is the Toyota Tundra expensive to insure?

HLDI insurance-loss data rates it at 94 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Toyota Tundra?

Maine has the lowest estimate (about $965 a year for full coverage) and Florida the highest (about $2,160).

What is the Toyota Tundra's NHTSA safety rating?

The 2026 Toyota Tundra earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Tundra cheaper to insure than the Tesla Cybertruck?

By our estimate the Toyota Tundra costs about $1,515 a year versus $1,635 for the Tesla Cybertruck, making it the cheaper of the two to insure.

How much is Toyota Tundra insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,170 a year at national-average rates by our estimate.

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