Who Has Cheap Insurance Quotes for a Toyota Tundra in Oklahoma?

Your odds of finding the cheapest car insurance for a Toyota Tundra in Oklahoma depends on a complex rating formula that takes into consideration things such as how long your commute is, your residence address, and your choice of physical damage deductibles. Oklahoma drivers on average pay approximately $1,610 a year for Tundra insurance, but that price is a valuation calculated using a 40-year-old married male driver who requires full comprehensive and collision coverage and $100 physical damage deductibles.

Chances are that you are not exactly 40 years old and possibly not even male, possibly single instead of married, or possibly you just want cheap liability coverage. Using even a minor difference in policy rating factors can generate big changes in the coverage rate.

Every policy is rated specifically for the driver, so your best chance at finding cheap car insurance rates for your Toyota is to do your own rate comparisons.

View Toyota Tundra Insurance Rates

The trim level of your Tundra tends to have a direct impact on the coverage cost, so the cost to insure a Tundra Regular Cab 2WD will be $364 lower than the insurance cost for the high end Tundra SR/5 Crew Max 4WD version, as shown in the prices below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can revise prices greatly.

Deciding which insurers offer the lowest-priced insurance rates for a Toyota Tundra takes a little more work in order to find the lowest price quote. Each auto insurance company has their own process for determining prices, so we’ll go over the insurance companies with the overall best prices in Oklahoma.

It’s a good idea to know that Oklahoma insurance rates are calculated based on many things which can substantially change the price of coverage. Simply having a birthday, marrying your spouse, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than others.

Cheap Insurance Rates for Your Tundra

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USAA normally has some of the best car insurance rates in Oklahoma at around $1,196 a year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the cut as some of the more affordable Oklahoma insurance companies.

As shown above, if you buy coverage from GEICO and switched to USAA, you could realize annual savings of about $144. Policyholders with Safe Auto might save as much as $181 a year, and Farmers policyholders might cut rates by $240 a year.

These prices are averages across all insureds and vehicles and are not factoring in a specific rate value for a Toyota Tundra. So the company that has the cheapest rates for you may not even be in the above rate chart. That points out the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

Rate increases following a ticket or accident

The common sense way to receive the most affordable insurance premiums in Oklahoma for a Tundra is to be an attentive driver and have a clean driving record. The example below shows how violations and at-fault accidents drive up auto insurance costs for each different age group. The costs are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of a car insurance policy per year with no violations or accidents is $2,859. Get written up for two speeding tickets and the average cost swells to $3,782, an increase of $923 each year. Then add one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota Tundra jumps again to an average of $4,716. That’s an increase of $1,858, or $155 per month, just for not being attentive to the road!

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

When comparing insurance for a Tundra in Oklahoma, probably the best companies to start with are Allstate, Progressive, State Farm, and Geico. When added together, they insure nearly half of all policies written. They all have the same basic coverages, but each one has unique options and discounts that may influence your buying decision. The following table compares pricing and service ratings, plus some optional coverages shoppers can expect to find with each one.