How Much is Insurance for a Toyota Tundra in North Dakota?

The chances of finding the best cheap auto insurance for a Toyota Tundra in North Dakota relies on many factors like how you use your Tundra, whether you have good credit, and citations or violations on your driving record. Drivers pay on average $1,300 annually for Tundra insurance, but that cost is an approximation assuming a 30-year-old single male who needs full comprehensive and collision coverage and $100 deductibles.

There is a very good chance that you’re not a 30-year-old male, possibly married instead of single, and there is a good chance that there are other drivers on your policy. Making even small differences in rating factors or requested coverage amount can produce large changes in the coverage rate.

Each driver’s needs are different, and that demonstrates why your best shot at finding the cheapest coverage for your Toyota is to shop your policy around at every renewal. Quotes are always free and you will be able to see rates from top-rated companies available.

View Toyota Tundra Insurance Rates

The specific model of Tundra will likely have an effect on the insurance rate, so the rate you will pay to insure a Tundra Regular Cab 2WD will be $284 less than the cost to insure the more expensive Tundra SR/5 Crew Max 4WD model, as shown in the prices below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific North Dakota garaging location which can impact premiums greatly.

Insuring your vehicle with the highest-rated insurer can be difficult considering how many companies provide coverage in North Dakota. The company information in the lists below may help you decide which coverage providers you want to consider when looking for cheaper rates. These rankings are for companies with a nationwide focus, so smaller regional companies will not be included in these rankings.

Drive safe and save

One of the best ways to get cheap insurance for a Toyota Tundra in North Dakota is to drive safe and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and at-fault fender-benders can impact car insurance rates for each different age category. The data assumes a single female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

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The data above shows the average cost of car insurance in North Dakota per year with no violations or accidents is $1,567. Add in one speeding ticket and the average cost hikes up to $1,780, an increase of $212 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Tundra goes up to an average of $3,786. That’s an increase of $2,219, or $185 per month, just for a couple of infractions!

The information below illustrates how your deductible choice can increase or decrease insurance costs when researching cheap insurance for a Toyota Tundra. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3515,3203,2857,2531],[‘Age 30’, 1839,1675,1485,1303],[‘Age 40’, 1765,1615,1441,1271],[‘Age 50’, 1613,1475,1319,1169],[‘Age 60’, 1585,1451,1295,1149],[‘Age 70’, 1819,1671,1507,1351]]);var options = {title: ‘Impact of Deductibles on Toyota Tundra Insurance Rates in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower their car insurance rates by $294 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $444 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave as much as $984 every year by choosing larger deductibles on their policy.

When choosing a higher deductible, it is important to have additional funds in a savings account to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.