What Car Insurance is Cheapest for a Toyota Tundra in San Jose?

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Buying competitive coverage for a Toyota Tundra is usually pretty straightforward, but it hinges on a large number of factors such as driver age, where you live, and any driving offenses on your record. Drivers will pay around $1,501 per year to insure their Tundra, but that amount is an estimation based on a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

Odds are that you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having even a minor difference in rating variables or coverage information could result in a significant change in how much insurance for a Toyota Tundra costs.

This shows why the best method for finding cheap insurance rates for your Toyota is to just take the time to compare rates yourself. In just a couple of minutes you can get prices from top-rated companies that sell coverage in California.

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Vehicle trim level has an effect on the coverage cost, so the cost to insure a Tundra Regular Cab 2WD model will be $328 cheaper than the cost to insure the more expensive Tundra SR/5 Crew Max 4WD trim level, as shown in the prices below.

Toyota Tundra Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $288 $464 $510 $30 $152 $1,444 $120
Tundra SR/5 Double Cab 2WD $332 $564 $510 $30 $152 $1,588 $132
Tundra SR/5 Crew Max 2WD $332 $564 $510 $30 $152 $1,588 $132
Tundra Regular Cab 4WD $374 $564 $510 $30 $152 $1,630 $136
Tundra Double Cab 4WD $374 $564 $510 $30 $152 $1,630 $136
Tundra SR/5 Double Cab 4WD $374 $564 $510 $30 $152 $1,630 $136
Tundra Limited Double Cab 2WD $374 $664 $510 $30 $152 $1,730 $144
Tundra Limited Crew MAX 2WD $374 $664 $510 $30 $152 $1,730 $144
Tundra Limited Crew MAX 4WD $416 $664 $510 $30 $152 $1,772 $148
Tundra SR/5 Crew Max 4WD $416 $664 $510 $30 $152 $1,772 $148
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific location information which can revise prices noticeably.

Finding out which company has the lowest-priced insurance rates for a Toyota Tundra will take a bit more effort than just getting one or two price quotes. Each company has a unique approach for determining prices, so to begin we'll rank the insurance companies that tend to be cheaper in San Jose.

Best Cheap Insurance Rates for Your Tundra

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,214
5 Nationwide $1,226
6 21st Century $1,325
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,496
10 GEICO $1,513
11 Allied $1,541
12 Allstate $1,543
13 MetLife $1,606
14 The Hartford $1,623
15 Unitrin $1,699
16 State Farm $1,733
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,966
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USAA generally has some of the most affordable car insurance rates in San Jose at around $1,155 a year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the lowest-priced San Jose, CA auto insurance companies.

As shown in the rates above, if you are a policyholder with Nationwide and switched to Wawanesa, you might realize a yearly savings of upwards of $45. Drivers with 21st Century could save as much as $144 a year, and Mercury insureds might lower prices by $307 a year.

It's important to note that these estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for a Toyota Tundra. So the company that has the cheapest price for you may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.

The information below shows how choosing a deductible can raise or lower insurance rates when trying to find cheap insurance for a Toyota Tundra. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could reduce rates by $436 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $656 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave up to $1,432 or more by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it's a good idea to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Here's why price comparisons are so important

California insurance rates are calculated based on many things that can increase the policy price. Simply having a birthday, moving to a new city, or getting into an accident can trigger changes in premium that may make certain companies cheaper than competitors.

In addition to those changes, insurance companies file new rates as often as every quarter in order to offset underwriting gains or losses. Significantly higher claims can cause high rates, while profitable underwriting may cause cheaper Tundra insurance rates.

To help illustrate this point, the bar chart below shows which companies have the cheapest car insurance in San Jose, CA for a 40-year-old female driver with no accidents, a clean driving record, and a good credit history. When quoting prices based on her current rating profile, USAA might quote the best car insurance rates in San Jose at $1,164 per year. This is $487 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining most affordable San Jose, CA auto insurance companies.

Now let's give the driver from above a claim or two, bad credit, and a few traffic violations. Since each insurance company has their own guidelines to set policy rates, analyzing rates could result in a different set of affordable San Jose car insurance companies as shown below.

Grange now has the best price in San Jose with Allstate, GEICO, Mercury, and Progressive also being competitive. This illustrates why it is crucial to take the time to shop around when trying to get the lowest car insurance quotes for a Toyota Tundra. Auto insurance prices are made up of many things and change substantially, so the lowest-price company two years ago may now be one of the more expensive options.

If you prefer to get some professional input when shopping around for cheaper insurance for a Tundra, the agents listed below are willing to help you make a decision which coverages and limits you need. To locate a San Jose insurance agent closest to you, click the button after the list.

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