Best Cheap Insurance for a Toyota Tundra in Illinois

Your chances of finding cheaper auto insurance for a Toyota Tundra in Illinois depends on a complex formula that considers things such as the number of years you have been licensed, if you have recent claims, and violations on your driving record. Illinois drivers pay on average $1,030 a year for Tundra insurance, but that rate is based on a 40-year-old single female driver that included full coverage including both comprehensive and collision and $250 deductibles.

It’s highly likely that you are not 40 and maybe not even a female, possibly married instead of single, or maybe you have a violation on your driving record. Everone’s needs are different, and this illustrates why the way we recommend to find cheap insurance rates for your Toyota is to quote often and with as many companies as possible. Quotes are free and easy and you will get price quotes from some of the most affordable companies that sell coverage in Illinois.

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The trim level of your Tundra will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Tundra Regular Cab 2WD trim level will be $212 less than the price to insure the higher-priced Tundra SR/5 Crew Max 4WD model, as shown in the table below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific zip code location which can alter premium rates substantially.

Ending up with the highest-rated car insurance company can be rather challenging considering how many companies sell coverage in Illinois. The information in the next section can help you analyze which providers you want to consider when trying find the best insurance for a Toyota Tundra. These ratings are for companies with a national presence, so companies with more of a regional focus are not taken into consideration for this list.

Top 10 Major Auto Insurers in Illinois Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

Top 10 Major Auto Insurers Overall in Illinois

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Toyota Tundra Insurance in Illinois

Full coverage or liability only

Finding the best cheap insurance for a Toyota Tundra in Illinois is probably important to most people, and one of the easiest ways to pay lower rates for insurance is to only buy liability insurance. The chart below illustrates the difference between premium costs with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Averaged out for all age groups, comp and collision coverage costs $1,417 per year over and above liability coverage. Lot’s of drivers question if physical damage coverage is worth the money. There is no definitive rule to stop paying for physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

There are some cases where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Discounts on the best cheap insurance for a Toyota Tundra in Illinois

Car insurance companies that provide coverage for a Toyota Tundra may provide rate discounts that could lower prices by 40% or more if you meet specific eligibility requirements. Popular insurance companies and some of their more popular discounts can be found below.

• State Farm may include discounts for good student, multiple autos, driver’s education, student away at school, and multiple policy.
• GEICO includes discounts for anti-theft, military active duty, anti-lock brakes, multi-policy, multi-vehicle, and seat belt use.
• Allstate policyholders can earn discounts including premier plus, FullPay discount, new car, utility vehicle, and good payer.
• SAFECO has discounts for homeowner, teen safety rewards, anti-lock brakes, anti-theft, teen safe driver, and accident prevention training.
• Farm Bureau may have discounts that include multi-vehicle, renewal discount, driver training, 55 and retired, youthful driver, safe driver, and good student.
• Progressive offers premium reductions for continuous coverage, multi-vehicle, homeowner, online signing, and online quote discount.
• AAA has savings for anti-theft, pay-in-full, multi-policy, education and occupation, and good driver.

The information below compares auto insurance costs with and without some available policy discounts. The information is based on a female driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, accident-free, homeowner, passive restraint, vehicle safety, and safe-driver discounts applied. When discounts are factored in, the the average amount saved on insurance for a Toyota Tundra is 28% or $395.