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Cheap Insurance Quotes for a Toyota Tundra in Texas

Your ability to find cheap coverage for a Toyota Tundra in Texas is dependent upon a complex calculation that is influenced by things such as your vehicle’s safety rating, if you have ever had a gap in coverage, and your motor vehicle report. Texas drivers pay around $1,000 a year for Tundra insurance, but that is an approximation based on a 50-year-old married female driver who needs full comprehensive and collision coverage and $500 deductibles.

There’s a good chance you are not 50 and maybe not even a female, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Just a minor change in policy rating criteria or coverages can make a large difference in rate quotes.

Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest rates for your Toyota is to do the rate comparisons yourself. In just a couple of minutes you will receive rate quotes from the best companies around.

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The trim level of your Toyota will influence the annual cost of coverage, so the cost to insure a Tundra Regular Cab 2WD trim level will be $192 lower than the cost to insure the high end Tundra SR/5 Crew Max 4WD version, as demonstrated by the prices below.

Toyota Tundra Insurance Rates in Texas
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Tundra Regular Cab 2WD$160$272$404$24$122$982$82
Tundra SR/5 Double Cab 2WD$184$332$404$24$122$1,066$89
Tundra SR/5 Crew Max 2WD$184$332$404$24$122$1,066$89
Tundra Regular Cab 4WD$208$332$404$24$122$1,090$91
Tundra Double Cab 4WD$208$332$404$24$122$1,090$91
Tundra SR/5 Double Cab 4WD$208$332$404$24$122$1,090$91
Tundra Limited Double Cab 2WD$208$392$404$24$122$1,150$96
Tundra Limited Crew MAX 2WD$208$392$404$24$122$1,150$96
Tundra Limited Crew MAX 4WD$232$392$404$24$122$1,174$98
Tundra SR/5 Crew Max 4WD$232$392$404$24$122$1,174$98
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in specific Texas garaging location which can raise or lower insurance rates significantly.

Locating reasonably-priced car insurance is difficult, and figuring out which company has the cheapest insurance rates for a Toyota Tundra will require even more shopping around. Each company has a different formula to set premium rates, so let’s take a look at the most competitive insurance companies in Texas.

We do need to point out that Texas insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. Improving your credit score, buying a safer car, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being cheaper than competitors.

Cheapest Insurance Rates for Your Tundra

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What’s the cheapest car insurance in Texas?
RankCompanyCost Per Year
1Travelers$1,010
2USAA$1,117
3Texas Farm Bureau$1,199
4Germania Mutual$1,294
5Esurance$1,379
6California Casualty$1,396
7State Farm$1,450
8Mercury$1,521
9Nationwide$1,538
10Safe Auto$1,565
11Allstate$1,667
12Amica$1,705
13Progressive$1,715
14GEICO$2,135
15Home State$2,155
16Encompass$2,232
17MetLife$2,249
18Unitrin$2,264
1921st Century$2,494
20Titan$2,568
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Travelers has some of the best car insurance rates in Texas at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper Texas car insurance companies.

As the example above demonstrates, if you buy coverage from Germania Mutual and switched to Travelers, you may see a yearly savings of about $284. Drivers with Esurance may save as much as $369 a year, and California Casualty customers might reduce rates by $386 a year.

To see how much you can save, click here to start your custom quote or visit several of the following companies.

Remember that these policy rates are averages across all types of insureds and vehicles and and are not figured with a specific rate factor for a Toyota Tundra. So the car insurance company that can offer you the best price may not even be in the chart above. That helps illustrate why you need to get auto insurance quotes using your own specific driver and vehicle information.

Price comparison of only insuring for liability

Finding cheap insurance for a Toyota Tundra in Texas is important to the majority of vehicle owners, and one way to lower the cost of insurance is to only buy liability insurance. The chart below shows the comparison of car insurance costs with and without physical damage coverage. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

On average, full coverage on your policy costs $1,896 per year more than just buying liability insurance. That proposes the question when is the right time to remove full coverage. There is no set rule of when to exclude physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your policy deductible. If it’s costing you more than $400 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

State Farm, Allstate, Geico, and Progressive compared

If you are shopping around for auto insurance, some of the first companies to look at are State Farm, Allstate, Geico, and Progressive. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that may steer you one way or another. The next table rates some of the different features that are available.

Comparison of Top Four U.S. Auto Insurance Companies
State FarmAllstateGeicoProgressive
Claims Handling2nd1st3rd4th
Number of Discounts3rd1st2nd4th
Overall Satisfaction4th2nd1st3rd
Overall Price2nd4th1st3rd
Coverage for Uber and Lyft driversYesYesYesYes
Usage-based insuranceYesYesNoYes
Breakdown insuranceNoNoYesYes
Roadside assistanceYesYesYesYes
New car replacementNoYesNoNo
Accident forgiveness coverageNoYesYesYes
Insurance AgentsOnly from State Farm agentsOnly buy from Allstate agentsFrom a Geico agent or onlineIndpendent agents or online
Number of agents18,000+11,000+150+30,000+
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