Toyota Tundra Car Insurance Quotes (2025)
Insurance premiums for a Toyota Tundra vary substantially based on the company, so it makes sense to compare quotes from several insurers.
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Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Table of contents
The Toyota Tundra is a popular pickup truck with high consumer ratings in a variety of categories, according to J.D. Power.[1] Your car’s make, model, and year all influence your car insurance premiums, on top of your driving record and other risk factors.
The average cost of Toyota Tundra car insurance is $95 per month for a liability-only policy and $180 per month for a full-coverage policy. The total costs are competitive relative to similar makes and models and are slightly cheaper in some cases.
If you’re in the market for a new insurance policy for your Toyota Tundra, here’s what you need to know about finding coverage.
Quick Facts
USAA offers the most affordable rates for Toyota Tundras, followed by State Farm.
Coverage rates shift very little from one model year to the next.
Toyota insurance rates are most expensive in New York and cheapest in North Carolina.
Cost of Toyota Tundra insurance by model year
The average car insurance premium for a Toyota Tundra is $138 per month. But auto insurance rates vary by model year.
Overall, USAA offers the cheapest Toyota Tundra car insurance, at $44 per month for liability coverage. But only military members and veterans are eligible for an insurance policy with this company.
If you don’t qualify for coverage with USAA, you can find affordable monthly liability coverage with GEICO or State Farm.
Here, you can see how average rates for Toyota Tundra car insurance vary from one model year to another.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $190 |
| 2024 | $181 |
| 2023 | $183 |
| 2022 | $186 |
| 2021 | $163 |
| 2020 | $158 |
| 2019 | $158 |
| 2018 | $148 |
| 2017 | $144 |
| 2016 | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Toyota Tundra’s MSRP starts at $40,090. The costs to insure the 2025 model of this vehicle vary by insurance company, with USAA, State Farm, and Allstate offering the cheapest policy rates.
Here, you can compare full-coverage rates from several insurers.
Insurance CompanyAverage Monthly QuoteUSAA $124 State Farm $149 Allstate $166 GEICO $184 American Family $191 Progressive $196 Nationwide $228 Travelers $241 Farmers $290 Liberty Mutual $315 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Toyota Tundra had a slightly lower MSRP than the 2025, starting at $39,965. Here’s a breakdown of average costs by insurance company for the 2024 model.
Insurance CompanyAverage Monthly QuoteUSAA $118 State Farm $142 Allstate $158 GEICO $175 American Family $182 Progressive $186 Nationwide $217 Travelers $229 Farmers $276 Liberty Mutual $300 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Toyota Tundra’s MSRP started at $36,965 and currently has premiums as low as $38 per month for liability coverage with USAA. Due to positive crash ratings, the 2023 Toyota Tundra was a Top Safety Pick with the Insurance Institute for Highway Safety (IIHS) for the large pickup/crew cab pickup category.[2]
Here, you can see how other insurance companies stack up and the average monthly quotes for a full-coverage policy.
Insurance CompanyAverage Monthly QuoteUSAA $120 State Farm $143 Allstate $162 GEICO $177 American Family $184 Progressive $189 Nationwide $220 Travelers $232 Farmers $280 Liberty Mutual $304 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Toyota Tundra’s MSRP started at $38,000 and went up to $61,020. Below, you can see average car insurance costs per month and how they vary by insurance company.
Insurance CompanyAverage Monthly QuoteUSAA $121 State Farm $145 Allstate $162 GEICO $179 American Family $186 Progressive $191 Nationwide $223 Travelers $235 Farmers $283 Liberty Mutual $307 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
For the 2021 Toyota Tundra, the MSRP clocked in at a minimum of $34,455, going up to $53,500 for the more expensive trim. Here, you can see the most affordable insurance quotes by company.
Insurance CompanyAverage Monthly QuoteUSAA $107 State Farm $128 Allstate $143 GEICO $158 American Family $164 Progressive $168 Nationwide $196 Travelers $207 Farmers $249 Liberty Mutual $271 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP range for the 2020 Toyota Tundra was $33,905 to $51,825. As you can see from the table below, insurance quotes can vary widely based on the insurance company.
Insurance CompanyAverage Monthly QuoteUSAA $103 State Farm $124 Allstate $138 GEICO $152 American Family $159 Progressive $163 Nationwide $190 Travelers $200 Farmers $241 Liberty Mutual $262 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Toyota Tundra’s MSRP was $33,270 to $50,680. Here, you can see average costs for Toyota Tundra car insurance for 2019 models.
Insurance CompanyAverage Monthly QuoteUSAA $103 State Farm $124 Allstate $129 GEICO $152 American Family $159 Progressive $163 Nationwide $190 Travelers $200 Farmers $241 Liberty Mutual $262 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP for the 2018 Toyota Tundra ranged between $32,920 and $50,330. Here, you can see a slight uptick in Toyota Tundra car insurance costs.
Insurance CompanyAverage Monthly QuoteUSAA $97 State Farm $116 Allstate $129 GEICO $143 American Family $149 Progressive $152 Nationwide $178 Travelers $187 Farmers $226 Liberty Mutual $245 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Toyota Tundra had an MSRP range of $31,720 to $50,130. Costs to insure this year and model vary widely, as you can see in the following table. Overall, rates to insure this model year are among the most affordable.
Insurance CompanyAverage Monthly QuoteUSAA $94 State Farm $113 Allstate $126 GEICO $139 American Family $145 Progressive $149 Nationwide $173 Travelers $182 Farmers $220 Liberty Mutual $239 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
As a starting MSRP, the 2016 Toyota Tundra came in at $34,220 and went up to $46,530. To insure this model year, you can see a range of car insurance costs below.
Insurance CompanyAverage Monthly QuoteUSAA $95 State Farm $114 Allstate $127 GEICO $141 American Family $146 Progressive $150 Nationwide $175 Travelers $184 Farmers $222 Liberty Mutual $241 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Toyota insurance by state
The average cost of Toyota insurance varies significantly by state. Your location, ZIP code, accident rates, and state requirements all play a role in how costly your car insurance premiums are. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $137 |
| Arizona | $168 |
| Arkansas | $247 |
| California | $232 |
| Colorado | $212 |
| Connecticut | $323 |
| Delaware | $237 |
| Florida | $222 |
| Georgia | $240 |
| Idaho | $121 |
| Illinois | $164 |
| Indiana | $139 |
| Iowa | $117 |
| Kansas | $159 |
| Kentucky | $209 |
| Louisiana | $214 |
| Maine | $145 |
| Maryland | $327 |
| Massachusetts | $172 |
| Michigan | $267 |
| Minnesota | $188 |
| Missouri | $186 |
| Mississippi | $200 |
| Montana | $160 |
| Nebraska | $169 |
| Nevada | $247 |
| New Hampshire | $109 |
| New Jersey | $172 |
| New Mexico | $153 |
| New York | $454 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $125 |
| Oklahoma | $172 |
| Oregon | $155 |
| Pennsylvania | $167 |
| Rhode Island | $142 |
| South Carolina | $260 |
| South Dakota | $125 |
| Tennessee | $144 |
| Texas | $228 |
| Utah | $177 |
| Virginia | $185 |
| Vermont | $146 |
| Washington | $154 |
| Washington D.C. | $332 |
| Wisconsin | $128 |
| West Virginia | $151 |
| Wyoming | $115 |
State | Average Monthly Quote |
|---|---|
| California | $232 |
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How to ensure you have enough coverage on your Toyota Tundra
Making sure you have enough auto insurance coverage can help protect you and your vehicle. Consider the following policies when seeking to insure your Tundra:
Liability coverage
State requirements dictate how much liability coverage you must carry for your vehicle. Liability insurance covers bodily injury and property damage for the other party if you cause a car accident. To have enough Toyota Tundra car insurance, it could be a good move to get higher limits than the minimum coverage.
Collision coverage
Though a Toyota Tundra has robust safety features, getting into a car accident can still have a major impact on your vehicle. While liability coverage pays for crash-related damages for the other driver, it doesn’t cover any repairs to your vehicle. That’s where collision insurance can be a major benefit. If your vehicle needs repairs after a car accident, collision insurance will help cover it.
Comprehensive coverage
If you want to have enough coverage, you may opt for comprehensive insurance. This type of coverage helps protect your car in various situations outside of your control, like theft, fire, flying debris, and even flooding.
Uninsured motorist coverage
Anything can happen on the road, including getting into an accident with an uninsured driver. Having uninsured motorist coverage shields you from this situation and fills a potential coverage gap left by the other driver’s lack of insurance.
Make sure to comparison shop and look at multiple car insurance companies. Research various discounts, bundling options, and customer service reviews. If you’re a low-mileage driver, you can also look into pay-per-mile auto insurance coverage.
Finally, you can look into optional coverage types, like roadside assistance. Good driving habits can set you up for success and qualify you for competitive rates.
Toyota Tundra car insurance FAQs
If you have a Toyota Tundra or are thinking of buying one, here are some additional questions and answers about the vehicle and its auto insurance costs.
The insurance company with the cheapest Toyota Tundra car insurance is USAA, with average rates of $44 per month for liability coverage and $92 for full coverage. But USAA is only available to members of the military and their families. If this makes you ineligible, you can also find affordable coverage with State Farm.
Toyota Tundra car insurance isn’t that expensive and is competitive relative to other vehicles. In some cases, it may be cheaper than similar models. Just remember to shop around for coverage to find the best rates.
The average cost to insure a Toyota Tundra is $138 per month, according to Insurify data. But many factors affect car insurance rates, so your premium could be lower or higher based on the deductible, coverage types, and more.
The 2025 Toyota Tundra has an 82 out of 100 “Great” rating for quality and reliability, according to J.D. Power. And it’s one of the top-selling vehicles, according to Kelley Blue Book.[3]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- J.D. Power. "2025 Toyota Tundra Pricing."
- IIHS. "2023 Top Safety Pick."
- Kelley Blue Book. "The 25 Best-Selling Cars of 2024."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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