How Much Does Insurance Cost for a Toyota Tundra in Alaska?
Enter your Alaska zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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Our staff writers always rib each other than when writing about auto insurance, the words cheap or affordable really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Toyota Tundra can be extremely hard to find. Don’t let that spoil your day, because we are going to show you some ways you can quote car insurance that is considered budget-friendly.
The chances of finding cheaper insurance for a Toyota Tundra in Alaska hinges on an enormous amount of factors such as the mileage of your daily commute, if you have a coverage lapse, and your choice of deductibles. Drivers on average will pay $800 per year to buy insurance for a Toyota Tundra, but that figure is an approximation using rating data for a 40-year-old married male driver who needs full coverage and $500 deductibles.
The problem with using this number is the good chance you are not 40 and maybe not even a male, maybe you are single instead of married, and you might want liability-only or different deductibles. Insurance is an individual thing, so your best shot at finding the cheapest rates for your Toyota is to just compare rates yourself.
The trim level of your vehicle will likely have an effect on the yearly cost, so the price to insure a Tundra Regular Cab 2WD model will be $154 less than the cost to insure the fancier 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||$136||$216||$316||$18||$94||$780||$65|
|Tundra SR/5 Double Cab 2WD||$156||$262||$316||$18||$94||$846||$71|
|Tundra SR/5 Crew Max 2WD||$156||$262||$316||$18||$94||$846||$71|
|Tundra Regular Cab 4WD||$176||$262||$316||$18||$94||$866||$72|
|Tundra Double Cab 4WD||$176||$262||$316||$18||$94||$866||$72|
|Tundra SR/5 Double Cab 4WD||$176||$262||$316||$18||$94||$866||$72|
|Tundra Limited Double Cab 2WD||$176||$310||$316||$18||$94||$914||$76|
|Tundra Limited Crew MAX 2WD||$176||$310||$316||$18||$94||$914||$76|
|Tundra Limited Crew MAX 4WD||$196||$310||$316||$18||$94||$934||$78|
|Tundra SR/5 Crew Max 4WD||$196||$310||$316||$18||$94||$934||$78|
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can increase or decrease coverage prices substantially.
Finding decent, low-cost insurance is easier said than done, and figuring out which company offers the most affordable auto insurance rates for a Toyota Tundra will take additional perseverance. Each company uses slightly different criteria for determining rates, so first let’s look at the rankings for the auto insurance companies that tend to be cheaper in Alaska.
It’s important that you understand Alaska auto insurance rates are influenced by many factors which can substantially decrease or increase the policy price. Simply having another birthday, buying a different home, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than before.
|Rank||Company||Cost Per Year|
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Umialik may offer some of the cheapest car insurance rates in Alaska at around $901 per year. USAA, State Farm, Progressive, and GEICO also rank well as some of the more affordable Alaska insurance companies.
As the example above demonstrates, if you have coverage with Progressive and switched to USAA, you might achieve annual savings of in the neighborhood of $308. Alaska drivers with GEICO could save as much as $1,023 a year, and Allstate policyholders might lower prices by $1,364 a year.
Be aware that those premiums are averages for all types of insureds and vehicles and do not factor in a specific rate value for a Toyota Tundra. So the company that fits your age and vehicle best may not even be shown in the company chart above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Should you buy full coverage?
Finding cheap insurance for a Toyota Tundra in Alaska is the goal of most vehicle owners, and one of the easiest ways to lower the cost of insurance is to buy only liability coverage. The chart below shows the comparison of insurance premiums with and without physical damage coverage. The premiums assume no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
On average, comprehensive and collision coverage on your policy costs an extra $1,456 per year more than buying just liability insurance. At some point, almost every driver questions when is the right time to remove full coverage. There is no set rule of when to drop physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
The diagram below illustrates how your deductible choice can impact insurance premiums when getting quotes for cheap insurance for a Toyota Tundra. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could pocket $310 a year by switching from a $100 deductible to a $500 deductible, or save $470 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can cut up to $666 every year by using a higher deductible.
When raising deductibles, it is a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
How to find cheap insurance for a Toyota Tundra in Alaska
Here are many penny-pinching ideas that can help Alaska drivers get low-cost coverage.
- Vehicles with good safety ratings are usually cheaper to insure
- Pay lower rates with good credit
- Do not pay for full coverage if not needed
- Maintain a safe distance and avoid accidents
- Avoid speeding and other traffic citations and pay less
- Higher physical damage deductibles lower rates
- Comparison shop at least every other year
That last idea is certainly important, as we stressed in the prior information. Insurance prices in Alaska can change considerably based on profitability, so don’t be tentative to buy from a different company if a better rate can be found.
Loyalty to a specific company is fine, but we do not recommend it if that inflexibility results in costing you a small fortune. Spend a few minutes and compare rates and find cheaper auto insurance for a Toyota Tundra.
Who is cheaper: Geico, State Farm, Progressive, or Allstate?
If you want the best insurance for a Tundra in Alaska, four of the larger companies to compare rates for are Geico, State Farm, Progressive, and Allstate. All offer liability and physical damage insurance, but each one has a slightly different set of options and discounts that may influence which company you choose. The table below rates ratings for price and service, as well as some optional coverages that are available.
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|Rating based on usage||No||Yes||Yes||Yes|
|New car replacement insurance||No||No||No||Yes|
|Insurance Agents||Both online and from Geico agents||State Farm-only agents||Online or from independent agents||Allstate exclusive agents|
|Number of agents||150+||18,000+||30,000+||11,000+|
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