How Much are Insurance Quotes for a Toyota Tundra in Massachusetts?
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UPDATED: Nov 13, 2019
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Whether or not you can find the best cheap insurance for a Toyota Tundra in Massachusetts is dependent upon a lot of factors such as whether you are a homeower, if you have a coverage lapse, and violations on your driving record. Massachusetts drivers pay on average $890 every 12 months to buy Toyota Tundra insurance, but that policy rate is calculated using a 30-year-old married male who requires full comprehensive and collision coverage and $1,000 deductibles.
Chances are that you are not 30 and possibly not even male, maybe you are single instead of married, and you need different coverage limits than the sample rates. Having what appears to be a very minor change in rating variables or coverage information could result in a significant change in rate quotes.
Everyone has unique insurance needs, and this illustrates why the best method for finding cheap car insurance rates for your Toyota is to comparison shop your policy at each renewal.
Vehicle trim level can impact the coverage cost, so the rate you pay to insure a Tundra Regular Cab 2WD will cost $158 less than the insurance cost for the more expensive Tundra SR/5 Crew Max 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$140||$224||$378||$22||$114||$878||$73|
|Tundra SR/5 Double Cab 2WD||$160||$274||$378||$22||$114||$948||$79|
|Tundra SR/5 Crew Max 2WD||$160||$274||$378||$22||$114||$948||$79|
|Tundra Regular Cab 4WD||$180||$274||$378||$22||$114||$968||$81|
|Tundra Double Cab 4WD||$180||$274||$378||$22||$114||$968||$81|
|Tundra SR/5 Double Cab 4WD||$180||$274||$378||$22||$114||$968||$81|
|Tundra Limited Double Cab 2WD||$180||$322||$378||$22||$114||$1,016||$85|
|Tundra Limited Crew MAX 2WD||$180||$322||$378||$22||$114||$1,016||$85|
|Tundra Limited Crew MAX 4WD||$200||$322||$378||$22||$114||$1,036||$86|
|Tundra SR/5 Crew Max 4WD||$200||$322||$378||$22||$114||$1,036||$86|
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in Massachusetts location which can alter auto insurance rates noticeably.
Buying low-priced insurance is not most people’s favorite thing to do, and figuring out which company offers the cheapest auto insurance rates for a Toyota Tundra will involve even more diligence.
Each company uses a slightly different approach for setting prices, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Massachusetts. It’s important to understand that Massachusetts auto insurance rates are calculated based on many things which can substantially change your annual premium. This price fluctuation is why it is critical to spend some time comparing rates to find the most budget-friendly auto insurance quotes for a Toyota Tundra. Rates can be determined by many factors and change substantially, so the best option the last time you compared rates may now be one of the higher cost companies.
State Farm may offer some of the cheapest car insurance rates in Massachusetts at around $719 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also some of the cheapest Massachusetts insurance companies.
As shown above, if you are a policyholder with Commerce Group and switched to National Grange Mutual, you may see savings of upwards of $77. Massachusetts drivers with OneBeacon could save as much as $78 a year, and Progressive policyholders might lower prices by $212 a year.
To compare your rates to other Massachusetts insurance companies, click here or visit several of the following companies.
It’s important to note that these premiums are averages for all insureds and vehicles and do not take into consideration a specific rate value for a Toyota Tundra. So the auto insurance company that can offer you the best price may not even be included in the list of companies shown earlier. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
Impact of citations and accidents on insurance rates
The best way to receive cheap insurance for a Toyota Tundra in Massachusetts is to drive attentively and avoid accidents and traffic violations. The example below illustrates how traffic citations and at-fault claims impact insurance costs for each different age group. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $1,883. Receive two speeding tickets and the average cost swells to $2,679, an increase of $796 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Toyota Tundra jumps again to an average of $3,474. That’s an increase of $1,590, or $133 per month, just for not driving attentively!
Full coverage versus liability-only
Finding cheap insurance for a Toyota Tundra in Massachusetts should be important to most drivers, and one easy way to lower the cost of insurance is to only buy liability insurance. The diagram below shows the comparison of yearly insurance costs with liability coverage only compared to full coverage. The premiums are based on no violations or claims, $100 deductibles, drivers are single, and no discounts are applied to the premium.
If the expense is averaged for all age categories, full coverage costs an extra $2,441 per year more than insuring for liability only. That is a big expense that brings up the question if you should buy full coverage at all. There is no definitive formula of when to phase out full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are paying in excess of $500 annually for physical damage coverage, then it might be time to buy liability only.
State Farm vs Geico vs Progressive vs Allstate
When comparing rates for insurance for a Tundra in Massachusetts, four companies to consider are State Farm, Geico, Progressive, and Allstate. Combined they make up 48.5% of the entire U.S. car insurance market. The table below points out pricing and service ratings, as well as optional policy coverages that are available from each company.
|A.M. Best rating||A++||A++||A+||A+|
|Standard & Poor’s financial rating||AA||AA+||AA||AA-|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|New car replacement||No||No||No||Yes|
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How to get cheap insurance for a Toyota Tundra in Massachusetts
Here are many thrifty suggestions that can help Massachusetts drivers find cheaper coverage.
- Drive attentively and avoid accidents
- Increase deductibles to save money
- Do not pay for full coverage on older vehicles
- Try to remain claim-free
- Do not get traffic violations
- Keep rates low by comparing prices once a year
The last suggestion is highly significant, as we stressed in the article above. Auto insurance prices in Massachusetts can change considerably in a year, so don’t be hesitant to change to a new company if you find a cheaper price. Sticking with a specific company is fine, but it’s not recommended if that inflexibility results in costing you a lot of money. Now is a great time to shop around to find cheaper insurance for a Toyota Tundra.
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