Best Cheap Insurance for a Toyota Tundra in Washington

The chances of finding the best cheap auto insurance for a Toyota Tundra in Washington depends upon a very complex rating algorithm that uses multiple factors like your marital status, where you live, and citations on your driving record. Drivers pay an average of $1,170 every 12 months to buy Toyota Tundra insurance, but that amount is a ballpark figure using rating data for a 30-year-old single male driver that included full coverage including both comprehensive and collision and $250 policy deductibles.

More than likely, you are not 30 and possibly not even male, you might be married instead of single, or maybe your driving record has a blemish or two. Having even a minor difference in the factors used in pricing a policy can result in a large change in the price of coverage.

The different assumptions illustrate why the best way to find cheap insurance rates for your Toyota is to make a habit of comparing rates at every renewal. In just a few minutes you can get rates from the cheapest companies that offer coverage in Washington.

View Toyota Tundra Insurance Rates

Your vehicle’s trim level will have an impact the yearly cost, so the rate you pay to insure a Tundra Regular Cab 2WD will be $236 less than the insurance cost for the more expensive Tundra SR/5 Crew Max 4WD trim level, as shown by the rates below.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in Washington location which can revise rates considerably.

Figuring out which company offers the cheapest auto insurance rates for a Toyota Tundra requires more time than just comparing a company or two. Each insurer has their own process for determining rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Washington.

Find the Cheapest Auto Insurance for Your Tundra

Get a Free Quote and Save

Capital offers some of the best car insurance rates in Washington at around $777 annually. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the best Washington auto insurance companies.

In the above rates, if you are insured with Nationwide and switched to Capital, you might realize annual savings of around $213. Washington drivers with PEMCO might save as much as $217 a year, and Travelers policyholders might see rate reductions of $221 a year.

To get a fast rate comparison, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these rates are averages for all insureds and vehicles and are not factoring in a specific rate value for a Toyota Tundra. So the company that fits you best may not even be in the list above. That illustrates why you need to get quotes using your own driver data and vehicle information.

Get discount Washington auto insurance rates

Insurance companies that provide the best cheap insurance for a Toyota Tundra in Washington may also offer rate discounts that may potentially lower prices by 35% or more if you are eligible to receive them. Popular auto insurance companies and their offered discounts are included below.

The example below compares car insurance rates with and without discounts applied. The premiums are based on a male driver, no claims, a clean driving record, Washington state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, claim-free, anti-theft, marriage, and multiple policy discounts applied. With discounts applied, the the average amount saved on auto insurance for a Toyota Tundra is % or $.

Your cheap Tundra insurance may actually be overpriced

Washington auto insurance rates are calculated based on many things which can substantially change the policy price. Improving your credit score, buying a different vehicle, or getting a ticket for careless driving can trigger price changes that may make certain companies more affordable than competitors. Not only may your situation change, but car insurance companies modify rates as often as every quarter as an adjustment for underwriting gains or losses. An unexpected high level of claims can cause increased policy costs, while better underwriting can cause more affordable Tundra insurance rates.

For instance, the data below shows which companies have the cheapest car insurance in Washington for a 35-year-old male driver with no accidents or violations, and a good credit rating. If we estimate rates based on his current risk factors, Capital may offer the lowest car insurance rates in Washington at $754 per year. This is $658 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, Travelers, and PEMCO are the remainder of the cheapest Washington auto insurance companies.

Now let’s give the driver from the first rate comparison an at-fault accident, a lower credit score, and a few blemishes on his driving record. Because every insurance company has a proprietary formula for filing rates in each state, comparing rates may now result in a different list of the cheapest Washington car insurance companies as shown below.

USAA now has the best auto insurance rate in Washington with The Hartford, Chubb, California Casualty, and State Farm now being in the top five. This shows why it is critical to perform an extensive rate comparison when trying to find the cheapest car insurance rates for a Toyota Tundra.

Rates are determined by many factors and change frequently, so the cheapest company a year ago may now be an over-priced policy.

Find the best cheap insurance for a Toyota Tundra in Washington

The list below summarizes some of the better penny-pinching suggestions that can help you locate cheaper coverage.

• Better credit rating means better rates
• Do not get into accidents that are your fault
• Choose a safer vehicle and pay lower rates
• Buying home and auto together can help save money
• Do not pay for comprehensive and collision coverage on older vehicles
• Compare rate quotes frequently

That last piece of advice is remarkably important, as was discussed in the article above. Prices charged by companies in Washington change constantly, so don’t be unwilling to switch carriers if a better rate can be found.

Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you potentially thousands of dollars a year. It only take a few minutes to shop around to find cheaper auto insurance for a Toyota Tundra.