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Cheap Insurance Quotes for a Toyota Tundra in Texas

Enter your Texas zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 15, 2019

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly 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.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,565
11 Allstate $1,667
12 Amica $1,705
13 Progressive $1,715
14 GEICO $2,135
15 Home State $2,155
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,264
19 21st Century $2,494
20 Titan $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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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 Farm Allstate Geico Progressive
Claims Handling 2nd 1st 3rd 4th
Number of Discounts 3rd 1st 2nd 4th
Overall Satisfaction 4th 2nd 1st 3rd
Overall Price 2nd 4th 1st 3rd
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Usage-based insurance Yes Yes No Yes
Breakdown insurance No No Yes Yes
Roadside assistance Yes Yes Yes Yes
New car replacement No Yes No No
Accident forgiveness coverage No Yes Yes Yes
Insurance Agents Only from State Farm agents Only buy from Allstate agents From a Geico agent or online Indpendent agents or online
Number of agents 18,000+ 11,000+ 150+ 30,000+
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