Who Has Affordable Lubbock Car Insurance for a Toyota Tundra?

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Toyota Tundra insurance cost
Toyota Tundra insurance cost image courtesy of QuoteInspector.com

Buying affordable car insurance for a Toyota Tundra in Texas hinges on a whole bunch of factors such as whether you are a homeower, your claims history, and any driving offenses on your record. Texas drivers pay around $1,467 annually for Tundra insurance, but that price is an approximation based on a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you prefer liability limits higher than required by Texas state law. Having what appears to be a very minor change in the rating criteria used to formulate rates can make a big difference in the price of a policy.

This demonstrates why the way we recommend to find affordable rates for your Toyota is to just compare rates yourself.

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The trim level of your Tundra tends to have a direct effect on the coverage cost, so the rate you will pay to insure a Tundra Regular Cab 2WD will be $324 less than the price to insure the higher-end Tundra SR/5 Crew Max 4WD version, as shown in the chart below.

Toyota Tundra Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $246 $502 $486 $28 $146 $1,408 $117
Tundra SR/5 Double Cab 2WD $282 $610 $486 $28 $146 $1,552 $129
Tundra SR/5 Crew Max 2WD $282 $610 $486 $28 $146 $1,552 $129
Tundra Regular Cab 4WD $318 $610 $486 $28 $146 $1,588 $132
Tundra Double Cab 4WD $318 $610 $486 $28 $146 $1,588 $132
Tundra SR/5 Double Cab 4WD $318 $610 $486 $28 $146 $1,588 $132
Tundra Limited Double Cab 2WD $318 $718 $486 $28 $146 $1,696 $141
Tundra Limited Crew MAX 2WD $318 $718 $486 $28 $146 $1,696 $141
Tundra Limited Crew MAX 4WD $354 $718 $486 $28 $146 $1,732 $144
Tundra SR/5 Crew Max 4WD $354 $718 $486 $28 $146 $1,732 $144
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific location information which can influence rates substantially.

Buying coverage from the best company can be a challenge considering how many companies are available to choose from in Lubbock. The ranking information displayed below may help you decide which auto insurance companies to look at comparing price quotes from.

These ratings are for the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in this list. If you wish to compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurers Overall in Lubbock

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Major Auto Insurers in Lubbock Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Liability-only versus full coverage

Finding cheaper car insurance is probably important to most vehicle owners, and one of the quickest ways to buy cheaper insurance for a Toyota Tundra is to only buy liability insurance. The information below shows the difference between insurance prices with full coverage and liability only. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

Averaged for all age groups, comp and collision coverage costs an additional $2,431 per year over liability only. Many people question if buying full coverage is worth the expense. There isn't a steadfast formula of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

There are some circumstances where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

The chart below illustrates how your deductible choice can affect insurance premiums when researching cheap insurance for a Toyota Tundra. The costs are based on a single male driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 50-year-old driver could lower rates by $452 a year by changing from a $100 deductible up to a $500 deductible, or save $682 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, could save as much as $1,476 every year just by using higher deductibles.

If you make the decision to raise deductibles, it will be required to have enough in a savings account to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to find low-cost insurance for a Toyota Tundra

The list below summarizes some of the recommended penny-pinching ideas that can help Lubbock drivers quote more affordable coverage.

The last item on the list is certainly significant, as was discussed in the article above. Prices charged by car insurance companies fluctuate considerably, so don't be afraid to buy a policy from a new company if a cheaper rate is available.

We understand brand loyalty, but it isn't a good idea if that loyalty ends up costing lots of money. It only takes a couple minutes to shop around to find cheaper auto insurance for a Toyota Tundra in Lubbock.

If you aren't sure which coverage to buy and prefer to have professional advice when shopping for cheaper insurance for a Toyota Tundra, the professional agents shown below are a good start to help you determine which coverages are best.

To find an agent using an interactive map, click the button below the list.

Nelda Jett - State Farm Insurance Agent
3833 50th St #5 - Lubbock, TX 79413 - (806) 793-2857

Sims-Perrin Insurance
3302 34th St - Lubbock, TX 79410 - (806) 795-4301

Zuniga Insurance Agency
1407 19th St - Lubbock, TX 79401 - (806) 702-4918

Grimes Insurance Agency Inc
1651 Broadway St - Lubbock, TX 79401 - (806) 762-0544

Advanced Insurance
3225 50th St - Lubbock, TX 79413 - (806) 799-0052

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