Toyota Tundra insurance image courtesy of QuoteInspector.com
Buying the cheapest car insurance for a Toyota Tundra relies on many different factors such as driver age, your credit status, and any past driving violations you may have had. Texas drivers will pay on average $1,301 a year to insure their Tundra, but that is an estimation calculated based on a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you aren't exactly 30 years old or even a male, maybe you are single instead of married, or maybe you prefer liability limits higher than required by Texas state law. Auto insurance requires individual risk assessment, so the only way to find cheap auto insurance rates for your Toyota is to compare as many rates as you can.
Your vehicle's trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Tundra Regular Cab 2WD trim level will be $290 less than the price to insure the high end Tundra SR/5 Crew Max 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$256||$408||$430||$26||$128||$1,248||$104|
|Tundra SR/5 Double Cab 2WD||$294||$496||$430||$26||$128||$1,374||$115|
|Tundra SR/5 Crew Max 2WD||$294||$496||$430||$26||$128||$1,374||$115|
|Tundra Regular Cab 4WD||$332||$496||$430||$26||$128||$1,412||$118|
|Tundra Double Cab 4WD||$332||$496||$430||$26||$128||$1,412||$118|
|Tundra SR/5 Double Cab 4WD||$332||$496||$430||$26||$128||$1,412||$118|
|Tundra Limited Double Cab 2WD||$332||$584||$430||$26||$128||$1,500||$125|
|Tundra Limited Crew MAX 2WD||$332||$584||$430||$26||$128||$1,500||$125|
|Tundra Limited Crew MAX 4WD||$370||$584||$430||$26||$128||$1,538||$128|
|Tundra SR/5 Crew Max 4WD||$370||$584||$430||$26||$128||$1,538||$128|
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific garaging location which can decrease or increase prices noticeably.
Insuring your vehicle with the highest-rated car insurance provider can be challenging considering how many companies sell coverage in Plano. The ranking information shown below may help you choose which companies to look at comparing price quotes from.
The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in the list. To get rate quotes from many more Texas auto insurance companies, click here.
Top 10 Major Auto Insurance Companies in Plano Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in Plano Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Poor driving habits will raise your insurance rates
The ideal way to enjoy cheap insurance prices in Plano for a Tundra is to drive safe and avoid tickets and accidents. The illustration below demonstrates how citations and at-fault claims can influence annual premium costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data above shows the average cost of auto insurance in Plano per year with no accidents or violations is $1,867. Factor in one speeding ticket and the average cost swells to $2,178, an increase of $311 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for a Toyota Tundra increases to an average of $4,957. That's an increase of $3,090, or $258 per month, just for not driving carefully!
Types of discounts on Plano car insurance
Insurance companies that provide coverage for a Toyota Tundra could also offer policy discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. A list of companies and a partial list of their discounts are:
- The Hartford includes discounts for anti-theft, defensive driver, vehicle fuel type, good student, air bag, and bundle.
- American Family has savings for early bird, air bags, defensive driver, mySafetyValet, and accident-free.
- Progressive offers discounts including good student, continuous coverage, online quote discount, online signing, multi-vehicle, multi-policy, and homeowner.
- Travelers offers discounts for IntelliDrive, new car, payment discounts, home ownership, driver training, and hybrid/electric vehicle.
- Farmers Insurance has discounts for teen driver, bundle discounts, alternative fuel, distant student, and switch companies.
- USAA policyholders can earn discounts including defensive driver, safe driver, driver training, annual mileage, family discount, and military installation.
- Liberty Mutual may have discounts that include newly retired, new move discount, teen driver discount, good student, new vehicle discount, exclusive group savings, and multi-policy.
The example below illustrates the comparison of auto insurance rates with and without some available policy discounts. The premiums assume a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, marriage, vehicle safety, claim-free, and accident-free discounts applied. When discounts are applied, theaverage yearly reduction on insurance for a Toyota Tundra is 28% or $559.
How to find the cheapest auto insurance for a Toyota Tundra
The list below shows some money-saving solutions that can help Texas drivers buy cheaper coverage.
- Older vehicles may not need full coverage
- Avoid accidents
- Buy a vehicle with excellent safety ratings
- Speeding tickets and other violations increase rates
- Pay less by remaining claim-free
- Buying home and auto insurance together can earn discounts
- Compare rate quotes often
That final tip is remarkably vital, as we stressed in the article above. Rates in Plano change a lot, so don't be hesitant to buy a different policy if a better rate can be found. Having brand loyalty is commendable, but it's not a good idea if that devotion results in you overpaying a small fortune. Now is a great time to compare prices to find cheaper car insurance for a Toyota Tundra.
If you like to have a consultation when trying to find lower insurance rates for a Tundra, the agents below are a good start to answer your questions and help you decide which policy fits your needs best.
To find a Plano insurance agent by location nearest to you, click the button link following the list or click here to compare price quotes now.
A and H Insurance
2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348
Arthur Blake Insurance Group
542 Haggard St #502 - Plano, TX 75074 - (972) 335-4115
Brian Slack - State Farm Insurance Agent
8612 Preston Rd d119 - Plano, TX 75024 - (972) 384-2660
Nationwide Insurance: Reginald Denard White
800 E Central Pkwy Ste 200 - Plano, TX 75074 - (972) 422-9412