Buying affordable car insurance for a Toyota Tundra in Arizona relies on a complicated rating formula that uses factors such as whether you use your Tundra for business use, the likelihood of your vehicle being stolen, and any prior driving citations you have received. Drivers pay around $1,288 a year for Tundra insurance, but that cost is an approximation based on a 30-year-old single male driver with full physical damage coverage and $100 deductibles.
Most likely you aren’t exactly 30 years old or even a male, you might be married instead of single, or maybe you have a teenager that needs to be on your policy. Just a very minor change in policy rating criteria or coverages can result in a massive change in the cost of insurance.
Auto insurance requires individual risk assessment, so the best method for finding cheap insurance prices for your Toyota is to just compare rates yourself.
Your Toyota’s trim level will be a contributing factor to price, so the price to insure a Tundra Regular Cab 2WD will be $280 cheaper than the price to insure the more well-appointed Tundra SR/5 Crew Max 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$256||$382||$444||$26||$132||$1,240||$103|
|Tundra SR/5 Double Cab 2WD||$294||$466||$444||$26||$132||$1,362||$114|
|Tundra SR/5 Crew Max 2WD||$294||$466||$444||$26||$132||$1,362||$114|
|Tundra Regular Cab 4WD||$332||$466||$444||$26||$132||$1,400||$117|
|Tundra Double Cab 4WD||$332||$466||$444||$26||$132||$1,400||$117|
|Tundra SR/5 Double Cab 4WD||$332||$466||$444||$26||$132||$1,400||$117|
|Tundra Limited Double Cab 2WD||$332||$548||$444||$26||$132||$1,482||$124|
|Tundra Limited Crew MAX 2WD||$332||$548||$444||$26||$132||$1,482||$124|
|Tundra Limited Crew MAX 4WD||$370||$548||$444||$26||$132||$1,520||$127|
|Tundra SR/5 Crew Max 4WD||$370||$548||$444||$26||$132||$1,520||$127|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in Mesa location which can revise insurance rates significantly.
Choosing a good quality car insurance provider can be difficult considering how many companies there are to choose from in Arizona. The company information in the lists below could help you pick which auto insurers you want to consider when trying find the best insurance for a Toyota Tundra. These ratings are only comprised of companies with a national presence, so companies without a large exposure are not taken into consideration for the list.
Top 10 Large Auto Insurance Providers in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Get discounts on Mesa auto insurance rates
Car insurance companies that provide policies for a Toyota Tundra may have premium discounts that could potentially reduce rates by 25% or more if you qualify. A list of companies and their possible discounts can be read below.
- Farmers Insurance policyholders can earn discounts including alternative fuel, good student, early shopping, youthful driver, homeowner, teen driver, and business and professional.
- Esurance has savings for claim free, good driver, Pac-12 alumni, good student, and renters.
- State Farm may have discounts that include accident-free, defensive driving training, Drive Safe & Save, passive restraint, multiple autos, anti-theft, and good student.
- GEICO offers discounts for military active duty, air bags, federal employee, emergency military deployment, and daytime running lights.
- Allstate may offer discounts for resident student, EZ pay plan discount, economy car, anti-lock brakes, passive restraint, and new car.
The information below illustrates the comparison of annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, claim-free, passive restraint, vehicle safety, accident-free, and defensive driving course discounts applied. When discounts are applied, theamount saved on auto insurance for a Toyota Tundra is 28% or $523.
The information below shows how choosing a deductible can affect insurance costs when getting quotes for cheap insurance for a Toyota Tundra. Data assumes a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower rates by $340 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $514 by choosing a $1,000 deductible. Even younger insureds, such as the Age 20 example, could shave up to $864 every year just by using higher deductibles.
When increasing deductibles, it will now be necessary to have enough spare savings to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Driving violations and accidents
The best way to enjoy affordable auto insurance prices for a Tundra is to be a safe driver and not get tickets or have accidents. The diagram below demonstrates how speeding tickets and at-fault accidents can affect car insurance rates for different categories of driver ages. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance in Arizona per year with no accidents or violations is $1,369. Factor in one speeding ticket and the average cost surges to $1,599, an increase of $230 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota Tundra goes up to an average of $2,233. That’s an increase of $864, or $72 per month, just for not being more responsible behind the wheel!