Best Cheap Insurance for a Toyota Tundra in Utah

We always joke that when we write about car insurance, the word cheap really should not be used anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap car insurance for a Toyota Tundra can be hard, if not impossible, to find. Don’t let that spoil your day, because there may be ways you can find and buy car insurance that won’t break your budget.

Your odds of finding cheaper car insurance for a Toyota Tundra in Utah depends upon a complex formula that factors things such as when you were born, if you have ever had a gap in coverage, and any prior driving citations you have received. Drivers in Utah pay an average of $710 each year for Tundra insurance, but that rate is a projection that uses a 40-year-old married female driver who needs full coverage including both comprehensive and collision and $1,000 policy deductibles.

There is a good possibility you’re not a 40-year-old female, possibly single instead of married, or maybe you have a couple of speeding tickets. Making minor changes in rating variables could end up with a large change in the price of coverage.

Everone’s needs are different, and this illustrates why the best way to quote cheap insurance prices for your Toyota is to put in the effort to do a thorough rate comparison.

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Vehicle trim level will influence price, so the price to insure a Tundra Regular Cab 2WD model will be $120 lower than the insurance cost for the higher-priced Tundra SR/5 Crew Max 4WD version, as shown in the table below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can modify premium rates considerably.

Finding decent, budget car insurance is easier said than done, and finding out which insurers offer the most affordable insurance rates for a Toyota Tundra calls for additional perseverance.

Every auto insurer uses a little different formula to set policy rates, so let’s begin by examining the most competitive insurance companies in Utah. It’s a good idea to know that Utah insurance rates are influenced by many factors that may substantially change the price of your policy. Simply improving your credit, becoming a homeowner, or getting a DUI may cause policy rate changes that can cause some rates to be more expensive than competitors.

Best Car Insurance Prices for Your Tundra

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Bear River has some of the lowest car insurance rates in Utah at around $584 per year. USAA, Auto-Owners, American Family, and Allied also qualify as some of the cheaper Utah insurance companies.

In the above example, if you are a customer of Allied and switched to USAA, you might realize annual savings of approxmiately $278. Insureds with Safeco might save as much as $290 a year, and GEICO customers might realize rate reductions of up to $305 a year.

Be aware that those prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Toyota Tundra. So the insurer that is most affordable for your situation may not even be in the above rate chart. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Responsible drivers pay cheaper Utah insurance rates

A great way to snag cheap insurance prices in Utah for a Tundra is to drive attentively and not get tickets or have accidents. The chart below illustrates how violations and at-fault fender-benders impact insurance prices for each different age group. The data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the example above, the average cost of car insurance per year with no violations or accidents is $1,659. Add in two speeding tickets and the average cost jumps to $2,219, an increase of $560 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Toyota Tundra increases to an average of $4,363. That’s an increase of $2,704, or $225 per month, just for not maintaining a clean driving record!

The illustration below highlights how deductible selection can influence insurance costs when trying to find cheap insurance for a Toyota Tundra. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could reduce rates by $306 a year by increasing from a $100 deductible to a $500 deductible, or save $462 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, have the ability to save up to $774 each year by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it’s a good idea to have enough in a savings account to be able to pay the extra out-of-pocket expense associated with higher deductibles.

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

If you are looking for the best insurance for a Tundra in Utah, four companies to consider are Allstate, State Farm, Geico, and Progressive. The data below compares price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.