Buying cheaper car insurance for a Toyota Tundra is dependent upon many rating factors such as your age, what you do for a living, and any prior driving offenses. Drivers pay on average $863 annually for Tundra insurance, but that figure is a valuation based upon a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
Odds are that you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or maybe your Tundra doesn’t need full coverage. Just a slight change in rating criteria or coverage limits can result in a large change in the policy rate.
Insurance is an individual thing, so the only real way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible. Do a quick rate comparison now and you will receive prices from the cheapest companies that sell coverage in North Carolina.
The specific model of Tundra will be a contributing factor to the cost of insurance, so the price to insure a Tundra Regular Cab 2WD model will be $176 less expensive the insurance cost for the fancier Tundra SR/5 Crew Max 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $144 | $262 | $318 | $18 | $96 | $838 | $70 |
| Tundra SR/5 Double Cab 2WD | $166 | $318 | $318 | $18 | $96 | $916 | $76 |
| Tundra SR/5 Crew Max 2WD | $166 | $318 | $318 | $18 | $96 | $916 | $76 |
| Tundra Regular Cab 4WD | $186 | $318 | $318 | $18 | $96 | $936 | $78 |
| Tundra Double Cab 4WD | $186 | $318 | $318 | $18 | $96 | $936 | $78 |
| Tundra SR/5 Double Cab 4WD | $186 | $318 | $318 | $18 | $96 | $936 | $78 |
| Tundra Limited Double Cab 2WD | $186 | $374 | $318 | $18 | $96 | $992 | $83 |
| Tundra Limited Crew MAX 2WD | $186 | $374 | $318 | $18 | $96 | $992 | $83 |
| Tundra Limited Crew MAX 4WD | $208 | $374 | $318 | $18 | $96 | $1,014 | $85 |
| Tundra SR/5 Crew Max 4WD | $208 | $374 | $318 | $18 | $96 | $1,014 | $85 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease auto insurance rates substantially.
Selecting a good quality insurer can be a challenge considering how many different companies sell coverage in Greensboro. The ranking information shown below could help you analyze which car insurance providers you want to consider comparing rates from.
These rankings are for companies with a nationwide focus, so companies without a large exposure are not included in these rankings. If you wish to compare rates from many more North Carolina auto insurance companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Greensboro auto insurance rates
Auto insurance companies that provide coverage for a Toyota Tundra may have premium discounts that could reduce prices by 25% or more if you meet the requirements. Popular car insurance companies and their possible discounts are:
- State Farm may have discounts that include accident-free, multiple policy, student away at school, driver’s education, Drive Safe & Save, and defensive driving training.
- GEICO offers discounts including good student, daytime running lights, emergency military deployment, anti-theft, multi-policy, membership and employees, and anti-lock brakes.
- SAFECO discounts include drive less, teen safety rewards, safe driver, homeowner, multi-car, and anti-lock brakes.
- Farmers Insurance includes discounts for alternative fuel, electronic funds transfer, multi-car, early shopping, homeowner, and business and professional.
- AAA policyholders can earn discounts including good student, multi-policy, education and occupation, multi-car, and good driver.
- USAA may include discounts for good student, safe driver, multi-vehicle, military installation, and driver training.
The illustration below shows the difference between yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, safe-driver, homeowner, anti-theft, passive restraint, and claim-free discounts applied. In this example, theamount saved on car insurance for a Toyota Tundra is 28% or $334.
Safe drivers pay less for car insurance
The ideal way to snag low car insurance premiums in North Carolina for a Tundra is to be a safe driver and avoid accidents and violations. The chart below highlights how traffic violations and fender-benders increase car insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy per year with no violations or accidents is $1,418. Get one speeding ticket and the average cost hikes up to $1,608, an increase of $190 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Tundra goes up to an average of $3,350. That’s an increase of $1,932, or $161 per month, just for a couple of infractions!
The chart below shows how different deductible levels can raise or lower insurance costs when searching for cheap insurance for a Toyota Tundra. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $238 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $358 by changing to a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates $588 each year just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be required to have plenty of savings on hand to cover the extra out-of-pocket expense that is associated with using high deductibles.
The professional agents shown below can help you make a decision which auto insurance policy fits you best, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when comparing insurance rates for a Toyota Tundra. It’s not always easy to find coverage yourself, so insurance agents can give you satisfaction knowing you have suitable coverage if you ever need to use it.
To locate a Greensboro car insurance agency in your neighborhood, click the button below the list or click here to get price quotes now.
- Jim Young – State Farm Insurance Agent
1308 Wendover Ave E – Greensboro, NC 27405 – (336) 379-1040 - John Klopp – State Farm Insurance Agent
401 Battleground Ave – Greensboro, NC 27401 – (336) 268-9000 - Fleszar Insurance Agency
218 S Swing Rd #1 – Greensboro, NC 27409 – (336) 553-2780