Who Has Cheap Insurance for a Toyota Tundra in North Carolina?

Who Has Cheap Insurance for a Toyota Tundra in North Carolina?

The odds of finding the cheapest coverage for a Toyota Tundra in North Carolina is contingent on many different factors such as the number of years you have been licensed, the performance level of your vehicle, and if your driving record is clean. North Carolina drivers pay approximately $840 a year for Tundra insurance, but that figure is an estimate based upon a 30-year-old married female driver who needs both comprehensive and collision coverage and $250 policy deductibles.

Chances are that rate is not what you would pay, because most likely you may not be 30 years old (or even female), possibly single instead of married, and there is a good chance that there are other drivers on your policy. Everone’s needs are different, and this illustrates why the only real way to find the cheapest coverage for your Toyota is to comparison shop your policy at each renewal.

View Toyota Tundra Insurance Rates

Your vehicle’s trim level has an effect on the yearly cost, so the price you pay to insure a Tundra Regular Cab 2WD model will cost $184 less than the cost to insure the high end Tundra SR/5 Crew Max 4WD version, as shown below.

Toyota Tundra Insurance Rates in North Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $162 $262 $286 $16 $86 $812 $68
Tundra SR/5 Double Cab 2WD $186 $318 $286 $16 $86 $892 $74
Tundra SR/5 Crew Max 2WD $186 $318 $286 $16 $86 $892 $74
Tundra Regular Cab 4WD $210 $318 $286 $16 $86 $916 $76
Tundra Double Cab 4WD $210 $318 $286 $16 $86 $916 $76
Tundra SR/5 Double Cab 4WD $210 $318 $286 $16 $86 $916 $76
Tundra Limited Double Cab 2WD $210 $374 $286 $16 $86 $972 $81
Tundra Limited Crew MAX 2WD $210 $374 $286 $16 $86 $972 $81
Tundra Limited Crew MAX 4WD $234 $374 $286 $16 $86 $996 $83
Tundra SR/5 Crew Max 4WD $234 $374 $286 $16 $86 $996 $83
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in specific location which can influence premium rates noticeably.

Buying coverage from the best insurer can be a challenge considering how many different companies sell coverage in North Carolina. The ranking data shown next can help you pick which auto insurers you want to consider when shopping around. These ratings are for companies with a nationwide focus, so companies that have a smaller presence are not included in these rankings.

Top Auto Insurance Companies for a Toyota Tundra
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Discounts on cheap insurance for a Toyota Tundra in North Carolina

Discounts on auto insurance for a Toyota TundraAuto insurance companies that provide policies for a Toyota Tundra could also offer policy discounts that can lower rates by as much as 25% or more if you meet certain criteria. Larger auto insurance companies and the discounts they provide are shown below.

Car Insurance Discounts Available
Discount State Farm Geico Progressive Allstate Farmers Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No Yes
Passive restraint Yes Yes No Yes Yes Yes
Running lights Yes Yes No No Yes No
New vehicle Yes No No Yes Yes No
Accident-free Yes Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes Yes No
Armed forces Yes Yes Yes No Yes No
Affinity/occupation No Yes No No Yes Yes
Pay in full No Yes Yes Yes Yes Yes
Automatic payment No Yes Yes Yes Yes Yes
Brand loyalty Yes No Yes No Yes No
Sign early No No No Yes Yes No
Good student Yes Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes Yes
Own a home No No Yes No Yes No
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The information below shows the comparison of auto insurance costs with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, claim-free, anti-theft, vehicle safety, defensive driving course, and safe-driver discounts applied. In this example, the average amount saved each year on auto insurance for a Toyota Tundra is % or $.

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

When researching insurance for a Tundra, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. The data below rates pricing and service ratings, as well as optional policy coverages that you can purchase from each one.

Comparison of Top U.S. Auto Insurance Companies
State Farm Geico Allstate Progressive
Price Ranking 2nd 1st 4th 3rd
Claims Service 2nd 3rd 1st 4th
Client Satisfaction 4th 1st 2nd 3rd
Discounts Offered 3rd 2nd 1st 4th
U.S. market share 18.3% 11.4% 10% 8.8%
Mechnical breakdown No Yes No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
New car replacement No No Yes No
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
Rate for vehicle usage Yes No Yes Yes
Offered in North Carolina Yes Yes Yes Yes
Where you can buy State Farm exclusive agents Online or through a Geico agent Can only buy from Allstate agents Online or from independent agents
Number of agents 18,000+ 150+ 11,000+ 30,000+
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