How Much Does Insurance Cost for a Toyota Tundra in South Dakota?

When writing about auto insurance, the words “cheap” or “affordable” shouldn’t be used anywhere in the article to describe car insurance rates. Unfortunately, cheap car insurance for a Toyota Tundra can be extremely hard to find. Don’t get your dauber down, because we are going to show you how you can get auto insurance that most people can afford.

Finding cheap car insurance for a Toyota Tundra in South Dakota depends on a complicated equation that takes into consideration things such as whether you are married, your current insurance company, and any past driving violations you may have had. Drivers on average will pay $780 annually to buy Toyota Tundra insurance, but that policy rate is an estimation based on rates for a 50-year-old married female driver who requires comprehensive and collision coverage and $500 deductibles.

The issue that arises when projecting rates is that it’s very likely that you may not be 50 years old (or even female), possibly single instead of married, or maybe your Tundra is a different trim level than the example. Different coverage needs are the reason why the most reliable way to find cheap insurance prices for your Toyota is to quote often and with as many companies as possible.

Find Cheaper Toyota Tundra Insurance

The trim level of your vehicle will influence the cost of coverage, so the rate you pay to insure a Tundra Regular Cab 2WD trim level will be $146 less than the cost to insure the fancier Tundra SR/5 Crew Max 4WD version, as shown in the prices below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific location information which can lower or raise premium rates considerably.

Deciding which companies offer the lowest-priced car insurance rates for a Toyota Tundra will require a tad more effort than just getting one or two price quotes.

Every insurance company has a different process for setting prices, so let’s take a look at the car insurance companies with the most affordable rates in South Dakota. It’s a good idea to be aware that South Dakota car insurance rates are based on many factors which can substantially change the policy price. Improving your credit rating, buying a different home, or getting into an accident can cause premium changes that may make certain companies much cheaper than others.

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USAA may have some of the cheapest car insurance rates in South Dakota at around $657 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also are some of the cheapest South Dakota auto insurance companies.

In the above rates, if you are currently insured with Farmers Mutual of Nebraska and switched to Auto-Owners, you might see annual savings of upwards of $138. Drivers with Unitrin could save as much as $145 a year, and Western National insureds might reduce prices by as much as $158 a year.

To find cheap insurance for a Toyota Tundra in South Dakota for your vehicle, click here to start your custom quote or feel free to get quotes from the companies below.

Understand that those policy rates are averages for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Toyota Tundra. So the auto insurance company that can offer you the best rate may not even be shown in the above rate chart. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The illustration below highlights how deductible selection can influence annual premium costs when getting quotes for cheap insurance for a Toyota Tundra. The costs are based on a single male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3971,3611,3221,2855],[‘Age 30’, 2041,1875,1683,1495],[‘Age 40’, 2033,1857,1655,1461],[‘Age 50’, 1845,1685,1507,1335],[‘Age 60’, 1783,1633,1461,1297],[‘Age 70’, 2165,1989,1795,1615]]);var options = {title: ‘Impact of Deductibles on Toyota Tundra Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could save $338 a year by increasing from a $100 deductible up to a $500 deductible, or save $510 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could possibly save $1,116 every year by using higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will be important to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Illustration showing the impact of accidents and violations

A great way to score cheap insurance for a Toyota Tundra in South Dakota is to drive cautiously and avoid accidents and violations. The chart below shows how speeding tickets and at-fault collisions can increase auto insurance rates for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2489,2715,4779],[‘Age 30’, 1687,1913,3977],[‘Age 40’, 1577,1801,3863],[‘Age 50’, 1379,1605,3669],[‘Age 60’, 1335,1561,3623],[‘Age 70’, 1573,1797,3857]]);var options = {title: ‘Effect of Tickets and Claims on South Dakota Toyota Tundra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra in South Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of car insurance in South Dakota per year with no accidents or violations is $1,673. Get one speeding ticket and the average cost jumps to $1,899, an increase of $225 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Toyota Tundra increases to an average of $3,961. That’s an increase of $2,288, or $191 per month, just for not being attentive to the road!

How to find more affordable auto insurance for a Toyota Tundra

Below you’ll find some of the better money-saving suggestions that can help drivers find more affordable coverage.

• Good credit can save money
• Vehicles with good safety ratings are usually cheaper to insure
• Prevent rate increases by staying accident-free
• Bundle home or renters insurance to earn a discount on car insurance
• Save money by only buying liability coverage for older vehicles
• Look for cheaper rates once a year by shopping around

The last item on the list is incredibly vital, as was pointed out in the prior article. Prices charged by car insurance companies change frequently, so don’t be afraid to buy from a new company if you can find a cheaper rate. We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars year after year. It only take a few minutes to shop around and find cheaper insurance for a Toyota Tundra.

Is the best company Progressive, Allstate, Geico, or State Farm?

When it comes to insurance for a Tundra, four companies you’ll want quotes from are Progressive, Allstate, Geico, and State Farm. When added together, they insure almost 50% of the entire U.S. auto insurance market. The table below rates price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.

Best cheap Toyota Tundra insurance quotes

There are many different ways to get cheap car insurance quotes in South Dakota, but the three most common ways are through a non-exclusive or independent agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive. They all have the same basic principle, but they differ in how they provide rate quotes.

Independent agencies work with multiple companies and can compare coverage rates with each one. They have the freedom to give you more rates, which can give you a better chance of finding cheaper coverage. If the agent locates a cheaper price, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

An agent who is captive is able to place business with one company, examples being Farmers Insurance or State Farm agents. They usually cannot quote rates from more than one company, so it’s a good idea to get additional quotes.

Choosing to buy car insurance direct means you do not use an agent and instead shop from a direct company like Progressive. Buying car insurance direct may be a decent choice drivers who do not need risk management and have a decent understanding of what car insurance covers.

What is the best method for finding cheap insurance for a Toyota Tundra in South Dakota? Most people assume that buying from a direct car insurance company results in the cheapest price because there isn’t an agent involved, but that is generally not the case. We’d also like to say an independent agency is the best way to save since they can quote with many companies, but that idea is not necessarily true either. In many cases, exclusive agencies have very competitive rates that are well below what direct and independents offer.

Because of the variability of car insurance rates, the best method to ensure you are not overpaying for car insurance is to get as many comparison quotes as possible. Make the effort to get quotes from all three in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.