Finding cheaper car insurance for a Toyota Tundra in Oklahoma can be pretty simple, but it depends on a lot of factors such as whether you use your Tundra for business use, your credit history, and any driving offenses on your record. Oklahoma drivers will pay on average $1,593 annually for Tundra insurance, but that amount is a projection based upon a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a male, maybe you are married instead of single, and maybe your Tundra is older and does not require full coverage. There is no perfect policy for every driver, so the only way to find the most affordable coverage for your Toyota is to put in the effort to do a thorough rate comparison.
The trim level of your vehicle tends to impact price, so the cost to insure a Tundra Regular Cab 2WD model will cost $290 less than the cost to insure the more well-appointed Tundra SR/5 Crew Max 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$280||$388||$664||$40||$198||$1,570||$131|
|Tundra SR/5 Double Cab 2WD||$322||$472||$664||$40||$198||$1,696||$141|
|Tundra SR/5 Crew Max 2WD||$322||$472||$664||$40||$198||$1,696||$141|
|Tundra Regular Cab 4WD||$362||$472||$664||$40||$198||$1,736||$145|
|Tundra Double Cab 4WD||$362||$472||$664||$40||$198||$1,736||$145|
|Tundra SR/5 Double Cab 4WD||$362||$472||$664||$40||$198||$1,736||$145|
|Tundra Limited Double Cab 2WD||$362||$554||$664||$40||$198||$1,818||$152|
|Tundra Limited Crew MAX 2WD||$362||$554||$664||$40||$198||$1,818||$152|
|Tundra Limited Crew MAX 4WD||$404||$554||$664||$40||$198||$1,860||$155|
|Tundra SR/5 Crew Max 4WD||$404||$554||$664||$40||$198||$1,860||$155|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in your specific Tulsa location which can modify premium rates considerably.
Which insurance company is best in Tulsa?
Insuring your vehicle with the highest-rated auto insurance provider can be a challenge considering how many choices there are in Oklahoma. The company ratings shown next can help you select which car insurance providers to look at purchasing from.
The rankings below include companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in this list. To view rates from these and other top-rated companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Insurance rates are higher with tickets and accidents
The obvious way to snag good insurance rates in Tulsa for a Tundra is to drive carefully and maintain a clean driving record. The illustration below highlights how speeding tickets and at-fault collisions can impact insurance costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of auto insurance in Tulsa per year with no accidents or violations is $2,732. Get written up for one speeding ticket and the average cost increases to $3,140, an increase of $407 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance for a Toyota Tundra goes up to an average of $4,289. That’s an increase of $1,557, or $130 per month, just for not paying attention while driving!
The diagram below demonstrates how choosing different deductibles can affect insurance prices when quoting cheap insurance for a Toyota Tundra. The data assumes a married male driver, comp and collision included, and no discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $374 a year by changing from a $100 deductible to a $500 deductible, or save $566 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, could lower their rates as much as $1,248 annually by using a higher deductible. When increasing deductibles, it will now be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense associated with higher deductibles.
Are you paying too much for car insurance?
Tulsa insurance rates are impacted by many factors that will increase or decrease the price of your policy. Improving your credit score, getting divorced, or getting caught speeding can trigger rate changes that can now make some companies more affordable than others. Additionally, insurance companies change prices multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity may cause additional premium costs, while a lower level of claims can cause cheaper Tundra insurance rates.
To help illustrate this point, the chart below shows which company has the cheapest car insurance in Tulsa, OK for a 45-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we look at prices based on her current risk factors, Oklahoma Farmers Union might quote the best car insurance rates in Tulsa at $1,390 each year. This is $577 less than the average policy premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are the remainder of the top five cheapest Tulsa, OK auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an accident surcharge, poor credit, and a speeding citation. Since each insurance company has a proprietary formula for setting rates, getting updated rate quotes could result in a different ranking of cheap Tulsa auto insurance companies as shown below.
State Farm now has the lowest price in Tulsa with USAA, Travelers, Liberty Mutual, and The Hartford also being competitive. This example shows why it is so important to shop around with many companies to find the most budget-friendly insurance rates for a Toyota Tundra.
Car insurance prices can be altered by many risk factors and change dramatically, so the cheapest company when you bought your policy may now be quite expensive.
Tips for finding budget-friendly auto insurance for a Toyota Tundra
Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help Tulsa drivers buy lower-cost coverage.
- Frequent claims will increase rates
- Higher credit ratings may save you money
- Just one traffic violation will increase your rates
- Drive attentively and avoid accidents
- Vehicles with good safety ratings have lower liability rates
- Compare prices as often as possible
The last suggestion is especially valuable, as we noted in the prior article. Insurance prices vary considerably, so don’t be unwilling to buy from a new company if you find a better deal. Having brand loyalty is commendable, but it isn’t a good idea if that loyalty ends up costing major coinage every year. It only takes a couple minutes to compare prices to find cheaper car insurance for a Toyota Tundra in Tulsa.
If you would rather have a professional recommendation when shopping for the best coverage for a Tundra, the agents shown below can most likely help you determine which policy is best. To locate a Tulsa car insurance agency near you, click the button below the list.
- Allstate Insurance: Rick Block
5420 S Harvard Ave – Tulsa, OK 74135 – (918) 299-1222
- Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220
- Gail Boyce – State Farm Insurance Agent
6149 S Peoria Ave – Tulsa, OK 74136 – (918) 747-6866
- A-1 Insurance
4100 E 51st St #105 – Tulsa, OK 74135 – (918) 743-2886