Cheapest Insurance for a Toyota Tundra in Pennsylvania

When writing about car insurance, the words “affordable” or “cheap” should not appear anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Toyota Tundra just does not exist. Don’t let that discourage you, because we are going to show you how you can still find coverage that is cheaper than what you have now.

Finding cheap coverage for a Toyota Tundra in Pennsylvania depends upon a lot of different factors like your age, your credit status, and your driving record. Pennsylvania drivers on average will pay $1,020 each year to buy insurance for a Toyota Tundra, but that is a valuation calculated based on a 50-year-old single female driver that wants full coverage and $500 policy deductibles.

It’s more than likely you are not 50 and maybe not even a female, married instead of single, and you may just want the cheapest liability coverage you can find. Different coverage needs are the reason why the most reliable method for finding the cheapest insurance price for your Toyota is to take your time and compare rates from as many companies as possible. Rate quotes are easy and you will be able to compare rates from top-rated companies that offer coverage in Pennsylvania.

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Vehicle trim level tends to have a direct effect on the annual cost of coverage, so the cost to insure a Tundra Regular Cab 2WD will be $192 less than the insurance cost for the more well-appointed Tundra SR/5 Crew Max 4WD trim level, as shown below.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates noticeably.

Deciphering which insurers offer the best auto insurance rates for a Toyota Tundra calls for a bit more effort than just quoting one company’s rates. Each auto insurer has a unique approach to establish rates, so let’s look at the rankings for the most competitive auto insurance companies in Pennsylvania.

It’s a good idea to be aware that Pennsylvania auto insurance rates are determined by lots of factors that control the cost of a policy. Improving your credit rating, increasing deductibles, or getting a ticket for careless driving can trigger price changes that can make some companies more affordable than the competition.

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General Casualty has some of the cheapest car insurance rates in Pennsylvania at around $748 per year. Travelers, USAA, Erie, and Penn National also qualify as some of the most economical Pennsylvania car insurance companies.

As the rates illustrate above, if you are currently insured with Erie and switched to Travelers, you might see annual savings of about $21. Policyholders with Penn National may save as much as $29 a year, and Auto-Owners policyholders might see rate reductions of $170 a year.

To see if your current coverage is too expensive, click here to start your free quote or click several companies below for low rates.

Bear in mind that those prices are averages across all types of insureds and vehicles and and are not calculated with a specific rate factor for a Toyota Tundra. So the company that can offer you the lowest price may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Discount Pennsylvania insurance

Auto insurance companies that provide the cheapest insurance for a Toyota Tundra in Pennsylvania may also offer special discounts that could lower prices by as much as 40% or more if you meet the requirements. Large auto insurance companies and their possible discounts are shown below.

The diagram below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, passive restraint, defensive driving course, accident-free, marriage, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a Toyota Tundra is 13% or $458.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3297,2371],[‘Age 30’, 2271,1647],[‘Age 40’, 2111,1527],[‘Age 50’, 1845,1335],[‘Age 60’, 1785,1291],[‘Age 70’, 2083,1501]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Toyota Tundra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Tickets and at-fault accidents raise rates

The recommended way to enjoy the cheapest insurance for a Toyota Tundra in Pennsylvania is to be a safe driver and not receive tickets or have accidents. The diagram below demonstrates how traffic citations and fender-benders can influence yearly insurance costs for each age group. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3643,3971,6703],[‘Age 30’, 2539,2867,5597],[‘Age 40’, 2351,2681,5411],[‘Age 50’, 2055,2385,5115],[‘Age 60’, 1987,2317,5045],[‘Age 70’, 2305,2635,5361]]);var options = {title: ‘Effect of Violations and Accidents on Pennsylvania Toyota Tundra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of car insurance in Pennsylvania per year with no accidents and a clean driving record is $2,480. Get written up for one speeding ticket and the average cost increases to $2,809, an increase of $329 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Tundra increases to an average of $5,539. That’s an increase of $3,059, or $255 per month, just for not keeping your driving record clean!

State Farm, Progressive, Allstate, and Geico: Who is cheapest?

When comparing rates for insurance for a Tundra in Pennsylvania, the companies that insure more vehicles than anyone else are State Farm, Progressive, Allstate, and Geico. Combined they insure nearly half of all auto insurance written. The next table illustrates some of the ratings and options shoppers can find with each company.