Cheapest Insurance for a Toyota Tundra in Iowa

Buying cheap coverage for a Toyota Tundra in Iowa is contingent on factors like how you use your Tundra, if you have ever let your coverage lapse, and any prior driving offenses. Iowa drivers pay on average $940 each year to buy Toyota Tundra insurance, but that figure is a ballpark figure assuming a 50-year-old single female driver with comprehensive and collision coverage and $100 physical damage deductibles.

There’s a high likelihood you are not a 50-year-old female, married instead of single, and you want different coverage limits than the example. Having what appears to be a very minor change in the criteria used to calculate rates can lead to a big change in the coverage rate.

Auto insurance is unique to every driver, so the most reliable method for finding cheap car insurance rates for your Toyota is to quote often and with as many companies as possible. Do a quick rate comparison now and you will receive rate quotes from some of the best companies available.

Cheapest Toyota Tundra Insurance Rates

The specific model of Tundra will be a contributing factor to price, so the price you will be charged to insure a Tundra Regular Cab 2WD trim level will be $208 less than the price to insure the more costly Tundra SR/5 Crew Max 4WD version, as shown by the rates below.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can alter premiums noticeably.

Buying coverage from the best insurer can be challenging considering how many companies provide coverage in Iowa. The ranking information shown below can help you analyze which insurers you want to consider putting your business with.

The rankings below only include companies with a national presence, so smaller companies will not be included in the list. To compare prices from these top-rated insurers and more, just click here.

Top 10 Major Auto Insurance Providers in Iowa 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 Iowa

How accidents and violations affect rates in Iowa

In a perfect world, the ideal way to enjoy the cheapest insurance for a Toyota Tundra in Iowa is to pay attention while driving and avoid accidents and violations. The diagram below illustrates how violations and at-fault claims raise premium costs for different insured age categories. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

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In the prior example, the average cost of an auto insurance policy in Iowa per year with no violations or accidents is $1,827. Factor in two speeding tickets and the average cost rises to $2,421, an increase of $594 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Toyota Tundra jumps again to an average of $4,563. That’s an increase of $2,736, or $228 per month, just for not being more responsible behind the wheel!

Allstate, State Farm, Progressive, or Geico: Which is best?

When buying insurance for a Tundra in Iowa, four good companies to start with are Allstate, State Farm, Progressive, and Geico. The table below ranks some of the ratings and options that are available from each company.