Cheap Insurance Quotes for a Toyota Tundra in Louisiana
Enter your Louisiana zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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We always joke that when we write about car insurance, the words “affordable” or “cheap” should not be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Toyota Tundra can be hard, if not impossible, to find. Don’t let that get you down, though, because there may be ways you can get auto insurance that you can fit into your budget.
The odds of finding cheaper auto insurance for a Toyota Tundra in Louisiana is dependent upon a very complex rating algorithm that uses multiple factors like whether or not you own a home, the likelihood of your vehicle being stolen, and your policy deductibles. Drivers in Louisiana pay on average $1,390 annually to buy Toyota Tundra insurance, but that price is a valuation rating a 40-year-old married female driver that has full physical damage coverage and $500 deductibles.
More likely than not, you may not be 40 years old (or even female), you might be single instead of married, or maybe your driving record has a blemish or two. Every driver has a different risk profile, so the only real way to find cheap car insurance rates for your Toyota is to make a habit of comparing prices at least once a year. Price quotes are quick and you will be able to compare rates from some of the most affordable companies that sell coverage in Louisiana.
Vehicle trim level will influence price, so the rate you pay to insure a Tundra Regular Cab 2WD will be $270 cheaper than the insurance cost for the higher-end Tundra SR/5 Crew Max 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$218||$392||$552||$32||$166||$1,360||$113|
|Tundra SR/5 Double Cab 2WD||$250||$478||$552||$32||$166||$1,478||$123|
|Tundra SR/5 Crew Max 2WD||$250||$478||$552||$32||$166||$1,478||$123|
|Tundra Regular Cab 4WD||$284||$478||$552||$32||$166||$1,512||$126|
|Tundra Double Cab 4WD||$284||$478||$552||$32||$166||$1,512||$126|
|Tundra SR/5 Double Cab 4WD||$284||$478||$552||$32||$166||$1,512||$126|
|Tundra Limited Double Cab 2WD||$284||$564||$552||$32||$166||$1,598||$133|
|Tundra Limited Crew MAX 2WD||$284||$564||$552||$32||$166||$1,598||$133|
|Tundra Limited Crew MAX 4WD||$316||$564||$552||$32||$166||$1,630||$136|
|Tundra SR/5 Crew Max 4WD||$316||$564||$552||$32||$166||$1,630||$136|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific zip code location which can affect rates considerably.
Best insurance in Louisiana
Ending up with the right car insurance company can be rather challenging considering how many companies sell coverage in Louisiana. The company rank data in the lists below could help you decide which insurers you want to consider when comparing rates. The rankings below are for companies that write coverage in many states, so companies that may only write in Louisiana are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay less for insurance
In a perfect world, the best way to snag cheap insurance for a Toyota Tundra in Louisiana is to drive attentively and not receive tickets or have accidents. The chart below demonstrates how speeding tickets and accidents impact car insurance rates for each different age category. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,815. Get two speeding tickets and the average cost increases to $3,772, an increase of $957 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a Toyota Tundra increases to an average of $4,740. That’s an increase of $1,925, or $160 per month, just for being a little careless behind the wheel!
Why are you paying too much to insure your Tundra?
Louisiana insurance rates are influenced by many factors that can increase the cost of coverage. Simply having another birthday, buying higher coverage limits, or getting a driving violation can produce rate changes resulting in some rates now being more affordable than before.
In addition, insurance companies change the rates they charge in Louisiana every year or even multiple times each year to adjust for gains or losses. Heavy losses may result in additional price hikes, while lower claim expenses may cause more affordable Tundra insurance rates.
To help illustrate this point, the graph below analyzes the cheapest car insurance in Louisiana for a 40-year-old female driver with no accidents, a clean driving record, and a high credit rating. If we compare prices based on her current rating profile, USAA may have the lowest car insurance rates in Louisiana at $1,626 each year. This is $788 less than the average premium paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway are the rest of the best Louisiana auto insurance companies.
Now we will pretend the driver from the above example a chargeable accident, a little lower credit rating, and a few traffic violations. Due to the fact that every insurance company uses their own formula for filing rates in each state, getting updated rate quotes will most likely result in a substantially altered list of affordable companies as shown below.
Southern Farm Bureau now has the lowest price in Louisiana with State Farm, GEICO, Safe Auto, and MetLife also having competitive pricing. This demonstrates why it is critical to perform an extensive rate comparison to find affordable car insurance quotes for a Toyota Tundra. Car insurance prices are made up of many risk factors and change substantially, so the cheapest company the last time you shopped around may now be priced much higher than other options.
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