Cheap Insurance for a Toyota Tundra in Ohio
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UPDATED: Nov 14, 2019
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The chances of finding cheap car insurance for a Toyota Tundra in Ohio is contingent on a whole bunch of rating criteria like if you are single or married, whether you are claim-free, and your choice of physical damage deductibles. Ohio drivers pay an average rate of $980 every 12 months to insure a Toyota Tundra, but that figure is a ballpark figure using cost data for a 30-year-old single male that wants both comprehensive and collision coverage and $100 physical damage deductibles.
There is a high probability that you aren’t exactly 30 years old or even a male, maybe you are married instead of single, or you want lower deductibles. Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap auto insurance rates for your Toyota is to compare rates from as many companies as possible.
The trim level of your Tundra tends to impact the cost of coverage, so the rate you will pay to insure a Tundra Regular Cab 2WD model will be $212 lower than the cost to insure the more well-appointed Tundra SR/5 Crew Max 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$194||$290||$336||$20||$100||$940||$78|
|Tundra SR/5 Double Cab 2WD||$222||$352||$336||$20||$100||$1,030||$86|
|Tundra SR/5 Crew Max 2WD||$222||$352||$336||$20||$100||$1,030||$86|
|Tundra Regular Cab 4WD||$252||$352||$336||$20||$100||$1,060||$88|
|Tundra Double Cab 4WD||$252||$352||$336||$20||$100||$1,060||$88|
|Tundra SR/5 Double Cab 4WD||$252||$352||$336||$20||$100||$1,060||$88|
|Tundra Limited Double Cab 2WD||$252||$416||$336||$20||$100||$1,124||$94|
|Tundra Limited Crew MAX 2WD||$252||$416||$336||$20||$100||$1,124||$94|
|Tundra Limited Crew MAX 4WD||$280||$416||$336||$20||$100||$1,152||$96|
|Tundra SR/5 Crew Max 4WD||$280||$416||$336||$20||$100||$1,152||$96|
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific garaging location which can change prices substantially.
Figuring out which company has the best auto insurance rates for a Toyota Tundra takes more work in order to find the most economical policy. Each auto insurance company uses a different method to determine rates, so let’s rank the auto insurance companies with the overall cheapest rates in Ohio.
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$755|
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Utica National quotes some of the cheapest car insurance rates in Ohio at around $628 a year. Allied, Frankenmuth, Erie, and USAA are also some of the more affordable Ohio auto insurance companies.
As shown in the rates above, if you currently have a policy with USAA and switched to Allied, you might see annual savings of in the vicinity of $50. Insureds with Travelers might save as much as $57 a year, and Cincinnati Insurance insureds might reduce prices by as much as $80 a year.
To find cheap insurance for a Toyota Tundra in Ohio for your vehicle, click here or click through to the companies below.
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It’s important to note that these premium estimates are averages for all drivers and vehicles in Ohio and do not take into consideration a specific rating modification for a Toyota Tundra. So the car insurance company that has the cheapest price for you may not even be included in the list of companies above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.
Difference between liability only and full coverage rates
Finding cheap insurance for a Toyota Tundra in Ohio is the goal of most drivers, and one of the quickest ways to buy cheaper insurance is to buy liability only. The chart below compares car insurance rates with liability coverage only compared to full coverage. The costs are based on no accidents or driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.
As an average, physical damage insurance costs an additional $1,357 per year more than just buying liability insurance. That may make you wonder if paying for full coverage is a waste of money. There is no specific rule of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
Types of discounts on Ohio auto insurance
Insurance companies that provide cheap insurance for a Toyota Tundra in Ohio may provide discounts that could reduce prices by 40% or more if you are eligible to receive them. Large auto insurance companies and some of the discounts are shown below.
- GEICO has savings for anti-theft, multi-vehicle, membership and employees, seat belt use, multi-policy, and anti-lock brakes.
- MetLife has discounts for multi-policy, accident-free, good student, good driver, defensive driver, claim-free
- State Farm discounts include multiple autos, Drive Safe & Save, good student, student away at school, multiple policy, and accident-free.
- Progressive offers premium reductions for online quote discount, online signing, multi-policy, continuous coverage, multi-vehicle, homeowner, and good student.
- Mercury Insurance includes discounts for age of vehicle, annual mileage, anti-theft, low natural disaster claims, good driver, multi-car, and ease of repair.
- 21st Century may include discounts for theft prevention, homeowners, teen driver, good student, 55 and older, and automatic seat belts.
- Allstate offers discounts for premier plus, EZ pay plan discount, senior citizen, anti-theft, good payer, teenSMART discount, and economy car.
The example below shows the comparison of car insurance costs with and without policy discounts. The prices are based on a male driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, marriage, passive restraint, multiple vehicle, claim-free, and homeowner discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Toyota Tundra is 28% or $318.
Who has the cheapest Toyota Tundra insurance quotes?
Drivers have many ways to purchase auto insurance in Ohio, but the most common are through an independent insurance agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or direct from companies such as Geico or Progressive. Each way is similar, but they differ in how they function.
Independent insurance agents have contracts with multiple insurance companies and can quote your policy with all of them. These types of agencies are able to give you a larger rate selection, which may give you a better chance of saving money. If they quote lower rates, an independent agent can move your coverage which prevents you from having to find an new insurance agent.
A captive or exclusive agent is only able to give rates for one insurance company, two popular examples being an Allstate or State Farm agent. Exclusive agents generally are unable to provide rates from more than one company, so it’s a good idea to get additional price quotes.
When you buy auto insurance direct, you forego an exlusive or independent agent and instead shop from a direct company like Esurance. Buying direct can be a good choice for consumers who do not need high amounts of coverage and understand what coverages they need.
What is the best method to find cheap insurance for a Toyota Tundra in Ohio? We’d like to say buying from a direct car insurance company results in the cheapest rates because there isn’t an agent involved, but unfortunately, it’s not that simple. An argument could also be made that an independent agency results in the cheapest rates due to more options, but again, that’s not accurate. And often times, the exclusive agents have price quotes that are the cheapest.
Because there are so many factors that make up auto insurance rates, the guaranteed way to get the lowest rate is to compare lots of quotes. If time allows, get price quotes from independent, exclusive, and direct in order to find the best price. For a list of companies with online discounts, click here to view.
Find cheap insurance for a Toyota Tundra in Ohio
It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help you quote low-cost car insurance.
- Pay lower rates with good credit
- Raise comprehensive and collision coverage deductibles
- Avoid at-fault accidents and claims
- Ensure your driving record is clean
- Lower rates by purchasing a safer vehicle
- Keep rates low by shopping around frequently
That last idea is very crucial, as was stressed in the article above. Prices charged by auto insurers in Ohio fluctuate considerably, so don’t be afraid to switch carriers if a cheaper rate is available. Loyalty to a specific company is fine, but it’s not a good idea if it’s costing you big bucks every year. It only takes a couple of minutes to shop around and find cheaper car insurance for a Toyota Tundra.
Who is cheaper: Allstate, Progressive, Geico, or State Farm?
If you want reliable insurance for a Tundra in Ohio, four companies to consider are Allstate, Progressive, Geico, and State Farm. Each one has a distict selection of optional coverages and features that policyholders can choose from. The following table compares some of the different features that may be available in your state.
|Number of Discounts||1st||4th||2nd||3rd|
|Handling of Claims||1st||4th||3rd||2nd|
|Percent of customers who recommend||86%||88%||87%||88%|
|New car replacement||Yes||No||No||No|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Where to buy||Allstate-only agents||Indpendent agents or online||Online or through a Geico agent||State Farm-only agents|
|Number of agents||11,000+||30,000+||150+||18,000+|
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