The Toyota Tundra is a full-size pickup truck that first debuted in the U.S. in 1999 and is still going strong today. The 2026 Tundra features a 1,940-lb payload capacity, an 8,300-lb towing capacity, and a combined 20MPG. No matter what kind of Tundra you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Tundra insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a closer look at how much it costs to insure a Toyota Tundra by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Tundra Insurance Cost in 2026
Toyota Tundra insurance costs an average of $2,208 per year, or approximately $184 per month, for full coverage in 2026.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Tundra insurance.
Toyota Tundra insurance costs vary widely by state, with drivers in Wyoming paying an average of only $36 monthly for minimum coverage, while those in Louisiana pay $185.
Travelers, Progressive, and Kemper are the cheapest carriers for Toyota Tundra insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Tundra model.
How Much Does Toyota Tundra Insurance Cost?
The average cost of car insurance for a Toyota Tundra is $2,208 per year. Full coverage Toyota Tundra insurance per month costs approximately $184. Minimum coverage for a Toyota Tundra costs an average of $1,138 annually, or approximately $95 monthly.
Average Toyota Tundra insurance costs by model year
Next, we'll break down several model years of the Toyota Tundra and the average insurance costs for each. The 2025 Toyota Tundra insurance monthly rate is $129 for minimum coverage and $251 for full coverage.
| Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2026 | $95 | $184 |
| 2025 | $129 | $251 |
| 2024 | $127 | $247 |
| 2023 | $109 | $212 |
| 2022 | $101 | $196 |
| 2021 | $89 | $173 |
| 2020 | $82 | $160 |
| 2019 | $96 | $187 |
| 2018 | $98 | $190 |
| 2017 | $89 | $172 |
| 2016 | $91 | $177 |
Cheapest insurance companies for a Toyota Tundra for 2026
Affordable Toyota Tundra insurance is available from many different carriers across the country. These top-rated car insurance companies provide the cheapest Toyota Tundra insurance rates in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| AAA | $108 | $224 |
| AIG | $135 | $336 |
| Allstate | $121 | $234 |
| Amica | $119 | $243 |
| Chubb | $129 | $255 |
| Kemper | $100 | $203 |
| Nationwide | $101 | $174 |
| Progressive | $91 | $170 |
| The Hartford | $104 | $177 |
| Travelers | $82 | $152 |
| UAIC | $156 | $196 |
Independent insurance agents know the best insurance companies for a Toyota Tundra. They'll help you find the cheapest, quality insurance in your area.
Toyota Tundra insurance costs by trim level for 2026
Your specific Toyota Tundra's trim level can also affect the cost of your coverage. Higher trim levels mean a higher MSRP price for the vehicle, often leading to higher car insurance premiums. Here are some average Toyota Tundra car insurance rates by trim level in 2026, including the Toyota Tundra TRD Pro insurance cost and the Toyota Tundra CrewMax insurance rate.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Regular Cab Long Bed | $53 | $101 |
| Regular Cab SR5 Long Bed | $54 | $104 |
| Regular Cab 4WD SR5 Long Bed | $63 | $121 |
| Double Cab Darrell Waltrip Edition Pickup 4d 6 1/2 FT | $71 | $136 |
| Regular Cab SR5 Pickup 2d 8 FT | $72 | $138 |
| Access SR5 Pickup 4d 6 1/2 FT | $80 | $153 |
| Regular Cab Work Truck Pickup 2d 8 FT | $80 | $155 |
| Double Cab Pickup 4d 6 1/2 FT | $80 | $155 |
| Crewmax SR Pickup 4d 5 1/2 FT | $81 | $157 |
| Regular Cab Pickup 2d 6 1/2 FT | $81 | $156 |
| Regular Cab Pickup 2d 8 FT | $83 | $160 |
| Double Cab SR5 Pickup 4d 8 FT | $84 | $163 |
| Double Cab SR Pickup 4d 8 FT | $85 | $165 |
| Double Cab SR5 Pickup 4d 6 1/2 Ft | $86 | $166 |
| Access Limited Pickup 4d 6 1/2 FT | $86 | $166 |
| Regular Cab SR Pickup 2d 8 Ft | $86 | $167 |
| Double Cab SR Pickup 4d 6 1/2 Ft | $88 | $170 |
| Double Cab SR | $88 | $171 |
| Double Cab TRD Pro Pickup 4d 6 1/2 FT | $89 | $173 |
| Crewmax SR5 Pickup 4d 5 1/2 FT | $90 | $174 |
| Crewmax SR | $92 | $180 |
| Double Cab Pickup 4d 8 FT | $92 | $179 |
| Double Cab Limited Pickup 4d 6 1/2 FT | $94 | $183 |
| Crewmax TRD Pro Pickup 4d 5 1/2 FT | $95 | $185 |
| Crewmax Platinum Pickup 4d 5 1/2 FT | $96 | $186 |
| Crewmax SR5 Pickup 4d 6 1/2 FT | $96 | $188 |
| Crewmax Limited Pickup 4d 5 1/2 FT | $97 | $187 |
| Crewmax Pickup 4d 5 1/2 FT | $97 | $187 |
| Double Cab SR5 | $100 | $195 |
| Crewmax Limited Pickup 4d 6 1/2 FT | $102 | $199 |
| Crewmax 1794 Edition Pickup 4d 5 1/2 FT | $104 | $201 |
| Crewmax SR5 | $104 | $203 |
| Hybrid Crewmax Limited Pickup 4d 6 1/2 FT | $108 | $211 |
| Hybrid Crewmax Limited Pickup 4d 5 1/2 FT | $109 | $212 |
| Crewmax Platinum Pickup 4d 6 1/2 FT | $110 | $214 |
| Double Cab Limited | $112 | $219 |
| Crewmax 1794 Edition Pickup 4d 6 1/2 FT | $115 | $223 |
| Hybrid Crewmax 1794 Edition Pickup 4d 5 1/2 FT | $116 | $226 |
| Crewmax Limited | $117 | $229 |
| Hybrid Crewmax Platinum Pickup 4d 5 1/2 FT | $117 | $229 |
| Hybrid Crewmax 1794 Edition Pickup 4d 6 1/2 FT | $119 | $232 |
| Hybrid Crewmax Capstone Pickup 4d 5 1/2 FT | $120 | $234 |
| Hybrid Crewmax Platinum Pickup 4d 6 1/2 FT | $121 | $236 |
| Hybrid Crewmax Limited | $124 | $242 |
| I-Force Crewmax Limited | $127 | $247 |
| Hybrid Crewmax TRD Pro Pickup 4d 5 1/2 FT | $130 | $253 |
| Crewmax Platinum | $135 | $264 |
| Crewmax 1794 Edition | $137 | $268 |
| Hybrid Crewmax Platinum | $141 | $275 |
| Hybrid Crewmax 1794 Edition | $143 | $278 |
| I-Force Crewmax Platinum | $147 | $286 |
| I-Force Crewmax 1794 Edition | $150 | $292 |
| Hybrid Crewmax TRD Pro | $158 | $309 |
| I-Force Crewmax TRD Pro | $163 | $318 |
| Hybrid Crewmax 1794 Limited Edition | $166 | $324 |
| Hybrid Crewmax Capstone | $167 | $325 |
| I-Force Crewmax Capstone | $173 | $338 |
Toyota Tundra iForce MAX Hybrid Insurance — Does It Cost More?
Yes, the Toyota Tundra i-Force MAX costs more to insure than other models because the hybrid powertrain increases the vehicle's value, which often leads to higher premiums. Toyota Tundra hybrid insurance costs are typically higher than for the gas-powered models due to the higher MSRP. However, the i-Force MAX's TSS 2.5+ safety tech may help offset these higher costs with insurance discounts. These vehicles also come with a 10-year hybrid warranty, which can provide additional savings.
Toyota Tundra Safety Ratings and Their Impact on Insurance
The 2025 Toyota Tundra Crew Cab is an Insurance Institute for Highway Safety (IIHS) Top Safety Pick+ for 2025-2026. High safety ratings can lead to lower car insurance rates. Car insurance carriers see vehicles with high safety ratings as less likely to result in large claims due to significant damage in a collision.
What Factors Affect Your Toyota Tundra Insurance Premium in 2026?
Several factors can influence the cost of Toyota Tundra insurance, including:
- The specific model year Tundra you drive
- Your claims history
- Your location
- Vehicle safety features
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your driving history
- Annual mileage
A local independent insurance agent can help you find the most affordable Toyota Tundra car insurance near you.
Toyota Tundra insurance cost by driver age for 2026
Additional factors that can greatly affect the cost of car insurance include a driver's age, driving history, and credit. Toyota Tundra insurance for teens is much more expensive than coverage for adults. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Toyota Tundra insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 17 | $7,653 | $11,218 | $13,145 |
| 18 | $7,147 | $10,504 | $12,260 |
| 19 | $6,294 | $9,240 | $10,846 |
| 20 | $5,484 | $8,069 | $9,423 |
| 21 | $4,606 | $6,756 | $7,895 |
| 22 | $4,490 | $6,598 | $7,727 |
| 23 | $3,921 | $5,769 | $6,759 |
| 24 | $3,737 | $5,438 | $6,435 |
| 25 | $3,236 | $4,733 | $5,540 |
| 30 | $2,520 | $3,698 | $4,331 |
| 35 | $2,344 | $3,447 | $4,037 |
| 40 | $2,256 | $3,277 | $3,900 |
| 45 | $2,228 | $3,228 | $3,759 |
| 55 | $1,993 | $2,953 | $3,436 |
| 65 | $2,092 | $3,093 | $3,619 |
| 75 | $2,681 | $3,902 | $4,551 |
Toyota Tundra insurance rates by state for 2026
Your location is one of the biggest factors that determine car insurance premium calculations. Toyota Tundra insurance premiums range from $36 for minimum coverage in Wyoming to $185 in Louisiana. Here are some average auto insurance rates for the Toyota Tundra by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $81 | $154 |
| Alaska | $67 | $143 |
| Arizona | $116 | $216 |
| Arkansas | $79 | $177 |
| California | $92 | $186 |
| Colorado | $92 | $219 |
| Connecticut | $128 | $220 |
| Delaware | $128 | $215 |
| District Of Columbia | $96 | $178 |
| Florida | $119 | $276 |
| Georgia | $137 | $226 |
| Hawaii | $50 | $113 |
| Idaho | $52 | $106 |
| Illinois | $87 | $163 |
| Indiana | $62 | $122 |
| Iowa | $54 | $131 |
| Kansas | $69 | $161 |
| Kentucky | $115 | $195 |
| Louisiana | $185 | $397 |
| Maine | $50 | $104 |
| Maryland | $143 | $242 |
| Massachusetts | $94 | $200 |
| Michigan | $147 | $284 |
| Minnesota | $78 | $163 |
| Mississippi | $85 | $168 |
| Missouri | $114 | $227 |
| Montana | $68 | $162 |
| Nebraska | $70 | $159 |
| Nevada | $165 | $298 |
| New Hampshire | $66 | $118 |
| New Jersey | $151 | $249 |
| New Mexico | $78 | $174 |
| New York | $116 | $209 |
| North Carolina | $77 | $152 |
| North Dakota | $59 | $128 |
| Ohio | $72 | $140 |
| Oklahoma | $89 | $198 |
| Oregon | $111 | $194 |
| Pennsylvania | $82 | $193 |
| Rhode Island | $116 | $208 |
| South Carolina | $95 | $177 |
| South Dakota | $53 | $161 |
| Tennessee | $74 | $150 |
| Texas | $118 | $242 |
| Utah | $103 | $175 |
| Vermont | $44 | $104 |
| Virginia | $90 | $146 |
| Washington | $86 | $159 |
| West Virginia | $82 | $167 |
| Wisconsin | $62 | $137 |
| Wyoming | $36 | $113 |
What Kind of Coverage Does a Toyota Tundra Need?
A Toyota Tundra needs several types of coverage to be sufficiently protected, such as liability and collision insurance. Here's a breakdown of recommended and optional coverages for a Toyota Tundra in 2026.
Recommended coverage options for Toyota Tundra drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Toyota Tundra:
- Toyota warranty insurance: This can extend Toyota's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Toyota parts during the repair process.
- Gap insurance: If you have a new or financed Toyota vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Your state likely requires at least certain types of car insurance. A local independent insurance agent can help you get set up with all the required Toyota Tundra auto insurance in your area.
How to Save Money on Toyota Tundra Insurance
It's easy to lower the cost of your Toyota Tundra car insurance when you follow any of these simple strategies:
- Ask about Toyota Tundra insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles (multi-car discount), maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a RWD vehicle: You might be able to save money on your car insurance by choosing a RWD Toyota Tundra over a 4WD model.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Toyota may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Toyota Tundra insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Toyota Tundra insurance from a trusted carrier near you.
Local independent insurance agents know which Toyota Tundra car insurance companies offer the best auto insurance discounts and savings opportunities. They'll help you get set up with the lowest possible Toyota Tundra insurance premium.
Toyota Tundra vs. Comparable Trucks: Insurance Cost Comparison
Toyota Tundra insurance premiums are below average for full-size pickup trucks. The Tundra's average monthly auto insurance rate is lower than that of the Toyota Tacoma, the Isuzu I-Series, the Cadillac Escalade EXT, and the Dodge Ram 1500. The table below compares the Toyota Tundra's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Chevrolet Silverado 3500 | $130 |
| GMC Sierra 3500 | $131 |
| Mitsubishi Raider | $135 |
| Toyota Tundra | $139 |
| Toyota Tacoma | $142 |
| Isuzu I-Series | $144 |
| Cadillac Escalade EXT | $146 |
| Ford F-150 | $135 |
| Dodge Ram 1500 | $166 |
An Independent Insurance Agent Can Help You Get the Best Toyota Tundra Insurance Quotes
When it's time to find the most affordable Toyota Tundra insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Toyota Tundra insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Toyota Tundra Car Insurance
How much is insurance for a Toyota Tundra per month?
The average cost of car insurance for a Toyota Tundra is $2,208 per year, or approximately $184 per month, for full coverage. Minimum coverage for a Toyota Tundra costs an average of $1,138 annually, or approximately $95 monthly. However, the cost of your specific policy can vary depending on many factors, such as your age, location, driving history, and more.
Which insurance company offers the cheapest Toyota Tundra rates?
We found that Travelers, Progressive, and Kemper are the best and cheapest car insurance companies for Toyota Tundra insurance this year.
Is a Toyota Tundra expensive to insure compared to other trucks?
No, the Toyota Tundra isn't expensive to insure compared to other trucks. The Tundra actually ranks 26th out of 40 similar trucks in terms of affordability.
What is the Toyota Tundra's safety rating?
The 2025 Toyota Tundra Crew Cab earned an IIHS Top Safety Pick+ and is one of only two large trucks to do so. The vehicle also received an NHTSA 5-star rating and a standard Toyota Safety Sense (TSS) rating of 2.5+.
How does a Toyota Tundra's trim level affect insurance cost?
A higher trim level means a higher MSRP, which often leads to a higher auto insurance premium. A Capstone or TRD Pro (hybrid) Toyota Tundra can cost significantly more than a base SR model.
What is full coverage insurance for a Toyota Tundra?
Full coverage for a Toyota Tundra includes liability, collision, and comprehensive insurance. Full coverage insurance is recommended for new or financed Tundras, though it may not be cost-effective if you drive an older model or one worth less than $8,000.
Can I get cheaper Toyota Tundra insurance if I choose RWD instead of 4WD?
Yes, insurance for a RWD Toyota Tundra model tends to be cheaper than coverage for a 4WD model. That's because the 4WD configuration generally increases premiums due to a higher replacement cost. RWD models can lower rates significantly in regions without snow.
What is the average rate for Toyota Tundra insurance vs. Tacoma?
The average monthly cost of auto insurance for a Toyota Tundra is $139, which is slightly lower than the $142 average for a Tacoma.
Does the Toyota Tundra i-Force MAX Hybrid cost more to insure?
Slight, yes. A higher MSRP ($47,000+) for the iForce MAX Hybrid can cause higher insurance premiums. However, this model's TSS 2.5+ safety tech features can offset these costs with certain carriers that offer related discounts.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-tundra-insurance/
https://www.thezebra.com/auto-insurance/vehicles/toyota/tundra/
https://www.insuranceopedia.com/auto-insurance/toyota-tundra-car-insurance
https://www.iihs.org/ratings/top-safety-picks/2025