Cheap Insurance for a Toyota Tundra in Oregon

Since we’re writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Toyota Tundra just does not exist. But don’t despair, because we can show you some ways you can still find and buy coverage that is cheaper than your current policy.

The chances of buying the best cheap insurance for a Toyota Tundra in Oregon is contingent on a complicated rating formula that uses factors such as whether you are a new or experienced driver, whether or not you are currently insured, and your driving record. Drivers pay an average of $850 per year to insure a Tundra, but that amount is an estimation calculated based on a 30-year-old married male who needs full comprehensive and collision coverage and $1,000 physical damage deductibles.

It’s more than likely that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, and maybe your Tundra is older and does not require full coverage. Even a slight difference in rating criteria or coverage limits can make a large difference in the price of a policy.

This shows why the best way to find the cheapest insurance price for your Toyota is to shop your policy around every couple of years.

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The specific model of Tundra will be a contributing factor to the yearly cost, so the cost to insure a Tundra Regular Cab 2WD trim level will be $152 lower than the cost to insure the more costly Tundra SR/5 Crew Max 4WD version, as shown in the chart below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in your specific Oregon location which can modify rates substantially.

Ending up with a high-quality insurer can be challenging considering how many companies there are to choose from in Oregon. The company rank data shown next may help you pick which car insurance providers you want to consider when trying to find cheaper insurance for a Toyota Tundra. These rankings are for companies with a nationwide focus, so companies that focus mainly on Oregon business are not taken into consideration for this list.

The example below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when quoting cheap insurance for a Toyota Tundra. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $412 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $622 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could potentially save as much as $1,212 annually just by using higher deductibles.

When increasing deductibles, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Allstate, Progressive, State Farm, or Geico: Who is best?

When it comes to insurance for a Tundra in Oregon, the companies that insure more vehicles than anyone else are Allstate, Progressive, State Farm, and Geico. The table below shows price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.