Who Has Cheap Insurance Quotes for a Toyota Tundra in Iowa?
Enter your Iowa zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not appear as a descriptor for car insurance rates. Excuse the oxymoron, but cheap car insurance for a Toyota Tundra can be hard to find. Don’t let that spoil your day, because there may be ways you can still get insurance that is cheaper than your current policy.
Your chances of finding the best cheap coverage for a Toyota Tundra in Iowa relies on a large number of rating criteria like the age of the Tundra, whether or not you are currently insured, and any prior driving offenses. Drivers in Iowa on average pay approximately $650 each year to buy insurance for a Toyota Tundra, but that cost is using a 40-year-old married male that wants full coverage including both comprehensive and collision and $1,000 policy deductibles.
When projecting a rate like this, the problem is that you are not exactly 40 years old and possibly not even male, maybe you are single instead of married, or maybe you just want to insure for liability only. Auto insurance requires individual risk assessment, so the best way to find the cheapest rates for your Toyota is to just take the time to compare rates yourself. It only takes a few minutes and you will get price quotes from some of the most affordable companies around.
The specific model of Tundra tends to have a direct impact on the insurance rate, so the price you pay to insure a Tundra Regular Cab 2WD model will be $110 less expensive the cost to insure the high end Tundra SR/5 Crew Max 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$94||$154||$290||$18||$86||$642||$54|
|Tundra SR/5 Double Cab 2WD||$108||$188||$290||$18||$86||$690||$58|
|Tundra SR/5 Crew Max 2WD||$108||$188||$290||$18||$86||$690||$58|
|Tundra Regular Cab 4WD||$122||$188||$290||$18||$86||$704||$59|
|Tundra Double Cab 4WD||$122||$188||$290||$18||$86||$704||$59|
|Tundra SR/5 Double Cab 4WD||$122||$188||$290||$18||$86||$704||$59|
|Tundra Limited Double Cab 2WD||$122||$222||$290||$18||$86||$738||$62|
|Tundra Limited Crew MAX 2WD||$122||$222||$290||$18||$86||$738||$62|
|Tundra Limited Crew MAX 4WD||$136||$222||$290||$18||$86||$752||$63|
|Tundra SR/5 Crew Max 4WD||$136||$222||$290||$18||$86||$752||$63|
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can alter insurance rates considerably.
Establishing which companies quote the most affordable insurance rates for a Toyota Tundra will require a bit more effort than just comparing rates from one or two companies. Each company uses their own formula to set policy rates, so we’ll take a look at the most budget-friendly insurance companies in Iowa.
It’s a good idea to know that Iowa insurance rates are calculated based on many things that control the price you pay for coverage. Improving your credit score, getting divorced, or having an accident can trigger price changes that can make some companies much cheaper than others.
|Rank||Company||Cost Per Year|
|9||Farm Bureau Mutual||$985|
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USAA quotes some of the lowest car insurance rates in Iowa at around $683 per year. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the cheapest Iowa auto insurance companies.
In the above rates, if you currently have a policy with Hastings Mutual and switched to Partners Mutual, you may see an annual savings of about $214. Iowa drivers with Nationwide may save as much as $232 a year, and State Farm insureds might see rate reductions of $234 a year.
To see if you’re overpaying, click here to get a free quote or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
It’s important to note that these premiums are averages across all types of insureds and vehicles and are not factoring in a specific rate factor for a Toyota Tundra. So the auto insurance company that is best for you may not even be included in the company chart above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Discount Iowa insurance
Auto insurance companies that offer cheap insurance for a Toyota Tundra in Iowa may also offer premium discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A list of insurance companies and a partial list of their discounts are detailed below.
- State Farm has savings for Steer Clear safe driver discount, anti-theft, multiple policy, good driver, and Drive Safe & Save.
- GEICO has discounts for multi-policy, seat belt use, good student, multi-vehicle, anti-theft, and defensive driver.
- Allstate may include discounts for anti-lock brakes, farm vehicle, anti-theft, premier plus, premier discount, and senior citizen.
- SAFECO may have discounts that include teen safety rewards, multi-car, anti-lock brakes, teen safe driver, drive less, accident prevention training, and homeowner.
- Farm Bureau offers discounts for renewal discount, youthful driver, good student, 55 and retired, safe driver, multi-vehicle, and driver training.
- Progressive may offer discounts for online quote discount, multi-policy, continuous coverage, multi-vehicle, online signing, homeowner, and good student.
- AAA discounts include multi-car, education and occupation, pay-in-full, good student, and good driver.
The illustration below shows the difference between car insurance rates with and without discounts applied to the rates. The costs are based on a female driver, a clean driving record, no at-fault accidents, Iowa state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, anti-theft, multiple vehicle, homeowner, and claim-free discounts applied. When discounts are applied, the amount saved on insurance for a Toyota Tundra is 28% or $430.
Why you should shop around for Tundra insurance
Iowa insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. Simply getting older, having a teenage driver, or getting a reckless driving citation can trigger rate changes that can make some companies more affordable than competitors.
Not only may your situation change, but insurers change rates at least once a year as an adjustment for underwriting gains or losses. A period of higher than normal claims can result in rate hikes, while a profitable period may produce lower-cost Tundra insurance rates.
To illustrate this point, the graph below shows which companies have the cheapest car insurance in Iowa for a 30-year-old male driver with a clear driving record, no claims, and good credit. When quoting prices based on his current risk profile, USAA has the lowest car insurance rates in Iowa at $662 each year. This is $513 less than the average policy premium paid by Iowa drivers of $1,175. Partners Mutual, Western National, Allied, and Hastings Mutual round out the rest of the best Iowa auto insurance companies.
In this example, we will give the driver from above a claim surcharge, a little lower credit rating, and a few blemishes on his driving record. Since each insurance company has their own guidelines to establish rates, comparing quotes could result in a different set of affordable Iowa car insurance companies as shown below.
Nationwide now has the best price on car insurance in Iowa with Farm Bureau Mutual, Auto-Owners, Partners Mutual, and Travelers also being competitive. This example illustrates why drivers need to compare lots of rates to find the most budget-friendly auto insurance rates for a Toyota Tundra.
Auto insurance prices consist of many things and change substantially, so the best company three years ago may now be quite expensive. Use our FREE quote tool to compare rates now!
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