Finding affordable auto insurance for a Toyota Tundra in California is fairly easy, but it relies on many factors such as the safety rating for your Tundra, if you have a tendency to file claims, and your motor vehicle report. Drivers will pay on average $1,891 annually for Tundra insurance, but that figure is an approximation based upon a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a good chance that you may not be 30 years old (or even female), possibly married instead of single, and you want different coverage limits than the example. Auto insurance is unique to each driver, so the only way to find cheap car insurance rates for your Toyota is to compare rates from as many companies as possible. Compare rate quotes now and you will receive rate quotes from the best companies that sell coverage in California.
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The specific model of Tundra has an effect on the annual cost of coverage, so the cost to insure a Tundra Regular Cab 2WD model will cost $398 less than the insurance cost for the higher-end Tundra SR/5 Crew Max 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $330 | $582 | $674 | $40 | $202 | $1,828 | $152 |
| Tundra SR/5 Double Cab 2WD | $378 | $708 | $674 | $40 | $202 | $2,002 | $167 |
| Tundra SR/5 Crew Max 2WD | $378 | $708 | $674 | $40 | $202 | $2,002 | $167 |
| Tundra Regular Cab 4WD | $428 | $708 | $674 | $40 | $202 | $2,052 | $171 |
| Tundra Double Cab 4WD | $428 | $708 | $674 | $40 | $202 | $2,052 | $171 |
| Tundra SR/5 Double Cab 4WD | $428 | $708 | $674 | $40 | $202 | $2,052 | $171 |
| Tundra Limited Double Cab 2WD | $428 | $834 | $674 | $40 | $202 | $2,178 | $182 |
| Tundra Limited Crew MAX 2WD | $428 | $834 | $674 | $40 | $202 | $2,178 | $182 |
| Tundra Limited Crew MAX 4WD | $476 | $834 | $674 | $40 | $202 | $2,226 | $186 |
| Tundra SR/5 Crew Max 4WD | $476 | $834 | $674 | $40 | $202 | $2,226 | $186 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific San Francisco garaging location which can change auto insurance rates noticeably.
Figuring out which company offers the cheapest car insurance rates for a Toyota Tundra may require more time in order to find the best policy. Each company used slightly different criteria for determining rates in each state, so we need to take a look at the car insurance companies with the most affordable rates in California.
Best Car Insurance Prices for Your Tundra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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Wawanesa generally has some of the best car insurance rates in San Francisco at around $1,146 each year. USAA, Century National, CSAA, and Nationwide also are some of the lowest-priced San Francisco, CA auto insurance companies.
As the rates illustrate above, if you are a customer of USAA and switched to Wawanesa, you could realize a yearly price reduction of approximately $9. Insureds with Century National could save as much as $68 a year, and CSAA policyholders might lower prices by up to $88 a year.
To find out how much you can save, click here to get a free quote or feel free to get quotes from the companies below.
Bear in mind that those prices are averages across all drivers and vehicles in California and and are not figured with a specific vehicle garaging location for a Toyota Tundra. So the insurer that is best suited for you may not even be in the list above. That illustrates why you need to quote rates from many companies using your own driver data and vehicle information.
The example below illustrates how your choice of deductibles can impact insurance prices when quoting cheap insurance for a Toyota Tundra. The prices are based on a single female driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $420 a year by switching from a $100 deductible up to a $500 deductible, or save $632 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could lower their rates up to $1,068 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have additional savings on hand to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Last year’s bargain might be this year’s rip off
San Francisco, CA car insurance rates are impacted by many factors that can increase the policy price. Improving your credit score, buying a new vehicle, or getting a DUI can cause premium changes resulting in some companies being more affordable than before.
Not only that, but companies amend pricing as often as every quarter as an adjustment for underwriting gains or losses. Significantly higher losses can result in price increases, while lower claim expenses can cause cheaper Tundra insurance rates.
To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in San Francisco, CA for a 40-year-old male driver with no prior claims, no tickets, and great credit. When comparing rates based on his current rating profile, USAA quotes the cheapest car insurance rates in San Francisco at $1,397 a year. This is $254 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the top five cheapest San Francisco, CA auto insurance companies.
Now we will give the driver from the first set of rates a claim surcharge, a lower credit rating, and a traffic ticket or two. Since each insurance company has a different process for setting prices, comparing prices will most likely result in a substantially altered list of the cheapest companies as shown below.
Grange now has the best price in San Francisco, CA with Progressive, GEICO, Allstate, and Mercury also being competitive. This example proves why it is so important to compare many different companies to find the most economical car insurance quotes for a Toyota Tundra.
Rates are calculated by many things and change frequently, so the most affordable company the last time you shopped around may now be one of the higher cost companies.
Ideas for finding low-cost insurance for a Toyota Tundra
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help California drivers get cheap coverage.
- Prevent price hikes by avoiding at-fault accidents
- Safer vehicles cost less to insure
- Higher deductibles save money
- Good credit scores may make rates cheaper
- Serious violations like DUI or reckless driving can increase rates dramatically
- Shop around for cheaper prices
That last piece of advice is highly significant, as was discussed in this article. Coverage prices in San Francisco vary greatly, so don’t hesitate to switch to a new company if a more affordable price is available.
We understand brand loyalty, but we do not recommend it if that devotion results in you overpaying a small fortune. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Toyota Tundra.