Buying the cheapest car insurance for a Toyota Tundra in Washington doesn’t take too much effort, but it is dependent upon an enormous amount of factors such as driver age, the likelihood of your vehicle being stolen, and any prior driving citations you have received. Drivers pay around $1,112 each year to insure their Tundra, but that price is an approximation based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
More likely than not, you’re not a 50-year-old female, you might be married instead of single, or maybe you have a speeding ticket that needs to be factored in. Auto insurance requires individual risk assessment, so the only real way to find cheap insurance prices for your Toyota is to put in the effort to do a thorough rate comparison. Rate quotes are easy and you can get rates from top-rated companies available.
Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Tundra Regular Cab 2WD model will cost $246 less than the insurance cost for the higher-end Tundra SR/5 Crew Max 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$190||$368||$376||$22||$112||$1,068||$89|
|Tundra SR/5 Double Cab 2WD||$218||$448||$376||$22||$112||$1,176||$98|
|Tundra SR/5 Crew Max 2WD||$218||$448||$376||$22||$112||$1,176||$98|
|Tundra Regular Cab 4WD||$246||$448||$376||$22||$112||$1,204||$100|
|Tundra Double Cab 4WD||$246||$448||$376||$22||$112||$1,204||$100|
|Tundra SR/5 Double Cab 4WD||$246||$448||$376||$22||$112||$1,204||$100|
|Tundra Limited Double Cab 2WD||$246||$530||$376||$22||$112||$1,286||$107|
|Tundra Limited Crew MAX 2WD||$246||$530||$376||$22||$112||$1,286||$107|
|Tundra Limited Crew MAX 4WD||$274||$530||$376||$22||$112||$1,314||$110|
|Tundra SR/5 Crew Max 4WD||$274||$530||$376||$22||$112||$1,314||$110|
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can revise auto insurance rates significantly.
Finding a high-quality insurer can be a challenge considering how many choices there are in Washington. The ranking data shown below can help you pick which insurers to look at when shopping car insurance rates for a Toyota Tundra.
The rankings below only include the largest companies in the United States, so companies that may only write in Washington are not factored into the list. To compare rates and find cheaper insurance for a Toyota Tundra, just click here.
Top 10 Large Car Insurance Companies in Seattle Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
Top 10 Large Car Insurance Companies in Seattle Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
- Liberty Mutual
Full coverage or liability only
Reducing the cost of auto insurance is the goal of most vehicle owners, and a great way to save on the cost of insurance for a Toyota Tundra is to only buy liability coverage. The illustration below illustrates the difference between insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or accidents, $100 deductibles, single status, and no other discounts are factored in.
As an average, comp and collision coverage costs an additional $2,306 per year more than just insuring for liability. That is a big expense that brings up the question if full coverage is worth the money. There is no definitive guideline to exclude full coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your vehicle’s replacement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $9,500 after you pay the deductible. If premiums are more than $950 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Discounts on Seattle auto insurance rates
Insurance providers that provide coverage for a Toyota Tundra may also offer premium discounts that could potentially reduce rates by as much as 30% if you are eligible for them. Companies and some of the discounts are outlined below.
- State Farm has discounts for driver’s education, good student, accident-free, safe vehicle, and multiple autos.
- American Family may offer discounts for defensive driver, mySafetyValet, good student, accident-free, early bird, bundled insurance, and good driver.
- GEICO offers premium reductions for military active duty, daytime running lights, emergency military deployment, membership and employees, seat belt use, and driver training.
- 21st Century includes discounts for automatic seat belts, good student, air bags, 55 and older, driver training, and early bird.
- Progressive offers discounts including continuous coverage, multi-vehicle, online signing, online quote discount, multi-policy, good student, and homeowner.
The illustration below shows the comparison of auto insurance rates with and without discounts. The price estimates are based on a male driver, no claims, a clean driving record, Washington state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, anti-theft, vehicle safety, multiple policy, passive restraint, and accident-free discounts applied. With discounts applied, theaverage amount saved on auto insurance for a Toyota Tundra is 28% or $540.
Tickets and at-fault accidents raise rates
The obvious way to receive low auto insurance prices for a Tundra is to be a safe driver and not receive tickets or have accidents. The diagram below highlights how traffic violations and at-fault collisions can influence auto insurance rates for each age group. Data assumes a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance in Seattle per year with no violations or accidents is $1,423. Receive one speeding ticket and the average cost increases to $1,641, an increase of $218 each year. Then include one accident along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Tundra goes up to an average of $2,237. That’s an increase of $814, or $68 per month, just for not driving responsibly!