Best Cheap Insurance for a Toyota Tundra in California

When writing about shopping for auto insurance, the words cheap or affordable should not be used anywhere in the article. Sad but true, cheap car insurance for a Toyota Tundra can be extremely hard to find. We’ll try to make it up to you, because there may be ways you can get coverage that is easy on your budget.

Finding the best cheap insurance for a Toyota Tundra in California is contingent on a large number of factors like your date of birth, if you have ever let your coverage lapse, and if your driving record is clean. Drivers in California will pay around $1,370 each year to insure a Toyota Tundra, but that is an estimate using a 50-year-old single female who needs full comprehensive and collision coverage and $500 physical damage deductibles.

But there is a high probability that you aren’t exactly 50 years old or even a female, possibly married instead of single, or maybe you just want liability only. What seems to be a minor change in policy rating variables may result in significant differences in the price of coverage.

This illustrates why the only real way to find the cheapest insurance price for your Toyota is to take your time and compare rates from as many companies as possible. Quotes are always free and you will receive prices from some of the best insurers that insure Toyota vehicles in California.

Cheapest Toyota Tundra Insurance Rates

The specific model of Tundra tends to impact the coverage cost, so the cost to insure a Tundra Regular Cab 2WD trim level will be $254 less than the price to insure the fancier Tundra SR/5 Crew Max 4WD trim level, as demonstrated by the prices below.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can increase or decrease coverage prices greatly.

Picking the highest-rated insurance company can be difficult considering how many different companies insure vehicles in California. The rank data listed below may help you choose which insurers to look at when shopping around.

These rankings include companies with a national presence, so companies that may only write in California will not be included in this list. If you’d like to compare prices from these and other top-rated companies, simply click here.

Top 10 Major Auto Insurance Companies in California Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Major Auto Insurance Companies in California Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Top Companies for Toyota Tundra Insurance in California

The diagram below highlights how deductible choice can affect insurance costs when trying to find cheap insurance for a Toyota Tundra. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

In the chart above, a 40-year-old driver could save $300 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, have the ability to save as much as $750 annually by using higher deductibles when buying full coverage.

When choosing a higher deductible, it will be important to have plenty of money set aside to cover the extra out-of-pocket expense that comes with higher deductibles.

Irresponsible driving raises your rates

One of the best ways to get the most affordable car insurance premiums for a Tundra is to drive cautiously and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and accident claims drive up premium costs for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

The data above shows the average cost of car insurance in California per year with no accidents and a clean driving record is $3,201. Factor in two speeding tickets and the average cost rises to $4,250, an increase of $1,049 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for a Toyota Tundra goes up to an average of $5,292. That’s an increase of $2,090, or $174 per month, just for being a careless driver!

How to get the best cheap insurance for a Toyota Tundra in California

Here are a few money-saving ideas that can help drivers locate cheap coverage.

• Keep your driving record clean
• Buy vehicles with five-star safety ratings
• Improve your credit
• Accident-free drivers may qualify for discounts
• Increase the comprehensive and collision deductibles on your policy
• Compare rates often to find the best deal

That final tip is certainly valuable, as we pointed out in the prior article. Insurance rates in California can change in a short period of time, so you should be ready to change to a new company if a cheaper rate is available.

Sticking with a specific company is fine, but it isn’t a good idea if that stubbornness costs you money that could be going to better use. Now is a great time to compare prices to find cheaper car insurance for a Toyota Tundra.

Which auto insurance company is best?

When comparing auto insurance, four companies to consider are Progressive, Allstate, State Farm, and Geico. The data below rates pricing and service ratings, as well as optional policy coverages shoppers can expect to find with each one.