Best Cheap Insurance Quotes for a Toyota Tundra in New Hampshire

Our editors have a joke that when writing about car insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Toyota Tundra just does not exist. But don’t despair, because there may be ways you can still get insurance that is more affordable.

Finding the cheapest auto insurance for a Toyota Tundra in New Hampshire is dependent upon a whole bunch of factors such as when you were born, if you are currently insured, and if your driving record is clean. Drivers will pay around $710 every 12 months to insure their Tundra, but that rate is a projection calculated based on a 40-year-old married female driver who needs full comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even female), possibly single instead of married, or maybe you’ve had an at-fault accident or two. Auto insurance rates are unique for each driver, so the best way to find the cheapest rates for your Toyota is to put in the effort and compare rates.

Insure Your Toyota for Less

The trim level of your Toyota will be a contributing factor to the yearly cost, so the price you will pay to insure a Tundra Regular Cab 2WD trim level will cost $138 less than the cost to insure the more expensive Tundra SR/5 Crew Max 4WD model, as shown below.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific location information which can change rates substantially.

Deciding which insurers offer the best auto insurance rates for a Toyota Tundra will involve a little more effort in order to find the best policy.

Every insurance provider uses their own calculation for setting rates, so we’ll go over the overall cheapest auto insurance companies in New Hampshire.

Best Cheap Insurance Rates for Your Tundra

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Concord may have some of the best car insurance rates in New Hampshire at around $691 per year. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the most economical New Hampshire auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Patriot and switched to Concord, you might achieve yearly savings of in the neighborhood of $97. Policyholders with USAA may save as much as $129 a year, and Vermont Mutual policyholders might see rate reductions of $209 a year.

If you want to find out if you’re overpaying, click here to start a quote or visit several of the following companies.

Understand that those prices are averages across all insureds and vehicles and do not factor in a specific rate value for a Toyota Tundra. So the company that fits you best may not even be featured in the chart above. That points out the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.

How violations and accidents impact rates

The obvious way to enjoy the best cheap insurance for a Toyota Tundra in New Hampshire is to be a good driver and avoid accidents and traffic violations. The illustration below demonstrates how traffic citations and at-fault accidents increase car insurance costs for each different age group. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

In the example above, the average cost of car insurance per year with no accidents and a clean driving record is $1,620. Get two speeding tickets and the average cost surges to $2,176, an increase of $556 each year. Now include two accidents along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tundra goes up to an average of $4,207. That’s an increase of $2,587, or $216 per month, just for being a little careless behind the wheel!

Discount New Hampshire auto insurance

Insurers that provide the best cheap insurance for a Toyota Tundra in New Hampshire may also provide rate discounts that may potentially lower prices by as much as 35% or more if you qualify for them. A list of auto insurance companies and some of their more popular discounts are shown below.

The illustration below compares annual premium costs with and without discounts. The data is based on a female driver, no claims or violations, New Hampshire state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, vehicle safety, anti-theft, marriage, claim-free, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Toyota Tundra is 39% or $991.

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

When shopping around for insurance for a Tundra, the companies that insure more vehicles than anyone else are Allstate, Progressive, Geico, and State Farm. Each company has unique features and discounts that may affect your buying decision. The table below shows some of the ratings and options that are available for policyholders.