How Much Does Insurance Cost for a Toyota Tundra in Ohio?

Your ability to find affordable auto insurance for a Toyota Tundra in Ohio relies on factors such as whether you use your Tundra for business use, the likelihood of vehicle theft, and deductibles for comprehensive and collision coverage. Drivers pay approximately $850 every 12 months to insure their Tundra, but that cost is an approximation that uses rate data for a 30-year-old married male who requires full coverage and $100 policy deductibles.

There is a high likelihood that you are not exactly 30 years old and possibly not even male, single instead of married, and there is a good chance that you need different coverage limits than the exampe. Each driver has unique rating factors, so the way we recommend to find cheap insurance rates for your Toyota is to just take the time to do a thorough rate comparison. Get a free quote now and you will be able to compare rates from the cheapest companies that sell coverage in Ohio.

Insure Your Toyota for Less

The specific model of Tundra tends to have a direct effect on the coverage cost, so the price to insure a Tundra Regular Cab 2WD model will be $202 cheaper than the insurance cost for the higher-priced Tundra SR/5 Crew Max 4WD trim level, as shown by the rates below.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can influence price quotes significantly.

Finding good, budget auto insurance is not most people’s favorite thing to do, and determining which company quotes the best insurance rates for a Toyota Tundra will involve even more rate comparisons.

Each auto insurer uses a different method to set policy rates, so let’s rank the insurance companies with the most affordable rates in Ohio. We do need to point out that Ohio insurance rates are impacted by many factors that may substantially change the cost of having a policy. Simply improving your credit score, moving across town, or getting a speeding ticket can produce rate changes that can now make some companies cheaper than before.

Best Car Insurance Prices for Your Tundra

Compare Rates and Save

Utica National may offer some of the lowest car insurance rates in Ohio at around $635 each year. Erie, Allied, Frankenmuth, and Travelers are also some of the lowest-priced Ohio car insurance companies.

In this example, if you buy coverage from Erie and switched to Utica National, you could realize an annual premium reduction of upwards of $32. Ohio drivers with Allied may save as much as $41 a year, and Frankenmuth insureds might reduce prices by as much as $66 a year.

These estimates are averaged across all drivers and vehicles in Ohio and do not factor in a specific rating modification for a Toyota Tundra. So the insurer that is most affordable for your situation may not even be included in the chart above. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.

Impact of citations and accidents on insurance rates

The common sense way to get the cheapest insurance prices in Ohio for a Tundra is to be a safe driver and avoid tickets and accidents. The chart below shows how traffic citations and at-fault fender-benders can raise yearly insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of auto insurance per year with no accidents or violations is $1,401. Factor in one speeding ticket and the average cost rises to $1,628, an increase of $227 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for a Toyota Tundra increases to an average of $3,508. That’s an increase of $2,107, or $176 per month, just for not driving responsibly!

Don’t stick with an overpriced policy

Ohio insurance rates are impacted by many things that can increase the price you have to pay for coverage. Improving your credit rating, marrying your spouse, or having an at-fault accident can cause premium changes resulting in some companies being cheaper than competitors. Not only may your situation change, but car insurance companies change the rates they charge in Ohio every year or even multiple times each year in order to be able to pay unexpected claims. An extended period of higher than normal claims may cause more expensive premiums, while lower claims may produce cheaper Tundra insurance rates.

For example, the chart below shows the cheapest car insurance in Ohio for a 45-year-old male driver with a clear driving record, no claims, and a good credit history. If we estimate prices based on his current risk factors, Utica National may have the most affordable car insurance rates in Ohio at $654 annually. This is $386 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth also make the list of the best Ohio auto insurance companies.

The chart below compares rates after we give the driver from above a chargeable accident, less-than-perfect credit, and an imperfect driving record. Since every car insurance company has a unique approach for determing rates in each state, analyzing rate quotes could now result in a different ranking of cheap Ohio auto insurance companies as shown below.

Cincinnati Insurance now has the best car insurance rate in Ohio with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example proves why Ohio drivers need to spend some time comparing rates when trying to get the most economical auto insurance quotes for a Toyota Tundra. Auto insurance prices are impacted by many different factors and can change without notice, so the lowest-price company the last time you shopped your coverage around may now be priced much higher than other options.

How to find the cheapest insurance for a Toyota Tundra

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help Ohio drivers buy the cheapest coverage.

• Vehicles with good safety ratings have lower liability rates
• Increase your physical damage deductibles
• Good credit scores may make rates cheaper
• Do not get into accidents that are your fault
• Full coverage may not be needed on older vehicles
• Avoid getting tickets or violations
• Compare rates and switch if you can find a better deal

The last item on the list is especially necessary, as was noted in the prior information. Prices charged by car insurance companies fluctuate constantly, so don’t be afraid to switch companies if a better rate can be found. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying money that could be used for better things. Now is a great time to compare rates to find cheaper car insurance for a Toyota Tundra.