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

We always joke that when we write about auto insurance, the words “affordable” or “cheap” should never be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Toyota Tundra may be a thing of the past. But don’t let that discourage you, because we will show you how you can quote coverage that is cheaper than your current policy.

The chances of buying affordable coverage for a Toyota Tundra in Kansas depends upon factors such as your vehicle’s safety rating, your credit history, and any prior driving offenses you have. Kansas drivers on average pay approximately $1,020 every 12 months to buy insurance for a Toyota Tundra, but that policy rate is a projection assuming a 40-year-old single female that wants comprehensive and collision coverage and $500 physical damage deductibles.

There is a good chance you are not 40 and maybe not even a female, possibly married instead of single, or maybe you had a chargeable driving offense. What people think is a minor change in rating factors or requested coverage amount can result in a big discrepancy in how much coverage for a Toyota Tundra costs.

Every driver’s needs are different, and that is why the way we recommend to find the cheapest rates for your Toyota is to compare as many rates as possible. It only takes a couple of minutes and you will be able to see rates from the best companies around.

Compare Rates and Save

The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price to insure a Tundra Regular Cab 2WD model will be $188 less than the insurance cost for the more costly Tundra SR/5 Crew Max 4WD trim level, as shown in the prices below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can alter prices substantially.

Best insurance in Kansas

Buying coverage from a highly-rated company can be rather challenging considering how many companies there are in Kansas. The information displayed below could help you choose which companies to look at purchasing a policy from. The ratings below are for companies with a nationwide focus, so smaller regional companies are not factored into the list.

Top 10 Major Car Insurance Companies in Kansas Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top 10 Major Car Insurance Companies in Kansas Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Toyota Tundra Insurance in Kansas

Drive safe and save

The easiest way to score cheap insurance for a Toyota Tundra in Kansas is to be a cautious driver and avoid at-fault accidents and violations. The example below demonstrates how speeding tickets and accidents can impact insurance premiums for each different age group. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

In the example above, the average cost of a car insurance policy in Kansas per year with no accidents or violations is $1,479. Get one speeding ticket and the average cost jumps to $1,701, an increase of $222 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for a Toyota Tundra jumps again to an average of $2,310. That’s an increase of $831, or $69 per month, just for not paying attention while driving!

The chart below illustrates how choosing a deductible can affect insurance prices when searching for cheap insurance for a Toyota Tundra. The premiums assume a single female driver, comp and collision included, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could lower their policy premium by $318 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $478 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could save $808 annually just by using higher deductibles. If you do raise deductibles, it will now be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

How to find budget-friendly insurance for a Toyota Tundra

Below you’ll find many thrifty solutions that can help drivers find cheap car insurance.

• Higher credit scores may earn you cheaper rates
• Increase the comprehensive and collision deductibles on your policy
• Avoid accidents and claims
• Drive a car with a high safety rating
• Violations and traffic tickets increase rates
• Full coverage is expensive so only insure older vehicles for liability only
• Compare price quotes at least once a year

The final tip is incredibly necessary, as we noted in the article above. Rates can change considerably in a year, so don’t hesitate to buy a different policy if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if your bullheadedness ends up costing you hundreds of dollars a year. It takes less than five minutes to shop around and find cheaper auto insurance for a Toyota Tundra.