Buying economical car insurance for a Toyota Tundra in California is pretty simple, but it hinges on lots of different rating factors such as age of the driver, your occupation, and your policy deductibles. Drivers pay around $1,419 annually for Tundra insurance, but that price is an estimate based upon a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
It’s highly likely you are not 50 years old and maybe not even female, you might be single instead of married, or maybe you rent instead of own your home. Just a minor difference in policy rating criteria or coverages could result in a significant change in how much coverage for a Toyota Tundra costs.
Auto insurance is unique to each driver, so the only real way to find cheap insurance rates for your Toyota is to compare as many rates as you can. Quotes are always free and you will get price quotes from some of the best insurers in California.
Your Toyota’s trim level impacts the coverage cost, so the price to insure a Tundra Regular Cab 2WD will be $316 less expensive the cost to insure the more expensive Tundra SR/5 Crew Max 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$256||$468||$470||$28||$140||$1,362||$114|
|Tundra SR/5 Double Cab 2WD||$292||$570||$470||$28||$140||$1,500||$125|
|Tundra SR/5 Crew Max 2WD||$292||$570||$470||$28||$140||$1,500||$125|
|Tundra Regular Cab 4WD||$330||$570||$470||$28||$140||$1,538||$128|
|Tundra Double Cab 4WD||$330||$570||$470||$28||$140||$1,538||$128|
|Tundra SR/5 Double Cab 4WD||$330||$570||$470||$28||$140||$1,538||$128|
|Tundra Limited Double Cab 2WD||$330||$672||$470||$28||$140||$1,640||$137|
|Tundra Limited Crew MAX 2WD||$330||$672||$470||$28||$140||$1,640||$137|
|Tundra Limited Crew MAX 4WD||$368||$672||$470||$28||$140||$1,678||$140|
|Tundra SR/5 Crew Max 4WD||$368||$672||$470||$28||$140||$1,678||$140|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact rates substantially.
Best auto insurance in California
Picking the highest-rated car insurance provider can be challenging considering how many different insurance companies sell coverage in Stockton. The rank data in the lists below may help you pick which companies you want to consider when comparing rates.
These rankings only include the largest companies in America, so smaller companies that only insure vehicles in California are not included in the list. To get rate quotes from these and other top-rated companies, click this link.
Top 10 Major Auto Insurance Companies in Stockton Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Auto Insurance Companies in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Safe drivers Stockton pay cheaper rates
In a perfect world, the ideal way to enjoy the cheapest auto insurance rates in Stockton for a Tundra is to be a safe driver and not get tickets or have accidents. The chart below demonstrates how speeding tickets and accidents raise insurance costs for different categories of driver ages. The information is based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in California per year with no accidents or violations is $2,957. Get two speeding tickets and the average cost hikes up to $3,919, an increase of $961 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Toyota Tundra goes up to an average of $4,872. That’s an increase of $1,914, or $160 per month, just for being a less-than-perfect driver!
Get discount Stockton car insurance rates
Insurers that offer quotes for a Toyota Tundra may have premium discounts that could lower prices by as much as 35% or more if you meet certain criteria. A list of companies and their offered discounts are shown below.
- GEICO may include discounts for daytime running lights, driver training, membership and employees, emergency military deployment, military active duty, defensive driver, and federal employee.
- Auto-Owners Insurance discounts include multiple vehicles, teen driver, group or association, mature driver, student away at school, air bags, and anti-lock brakes.
- American Family offers discounts including defensive driver, Steer into Savings, bundled insurance, multi-vehicle, good driver, and TimeAway discount.
- Esurance has savings for defensive driver, online shopper, Switch & Save, online quote, and good driver.
- Progressive offers premium reductions for multi-policy, good student, homeowner, continuous coverage, and online signing.
- State Farm offers discounts for driver’s education, defensive driving training, anti-theft, student away at school, and passive restraint.
- AAA policyholders can earn discounts including AAA membership discount, multi-policy, multi-car, good driver, good student, and anti-theft.
The diagram below compares car insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, homeowner, claim-free, multiple vehicle, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for a Toyota Tundra is 28% or $970.
Why are you paying too much for Tundra insurance?
California auto insurance rates are based on many factors which can significantly increase or decrease the cost of a policy. Simply having a birthday, buying a different vehicle, or getting caught speeding may cause policy rate changes resulting in some rates now being more affordable than the competition. In addition to those changes, car insurance companies file new California auto insurance rates every year or even multiple times each year to ensure their profitability. Larger than normal claims may result in a rate increase, while long-term profits may result in more affordable Tundra insurance rates.
As an example, the bar chart below shows the companies that have the cheapest car insurance in Stockton, CA for a 45-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. Based on his personal risk profile, USAA might offer the best car insurance rates in Stockton at $1,391 each year. This is $260 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the cheapest Stockton, CA auto insurance companies.
In this example, we will give the driver from the first set of rates a claim or two, bad credit, and a speeding citation. Since each company uses their own method for determining rates, comparing quotes will most likely result in a significantly different list of the cheapest Stockton car insurance companies as shown below.
Grange now has the cheapest rate in Stockton, CA with Progressive, GEICO, Mercury, and Allied now rounding out the top five. This example proves why drivers need to shop around with many companies when trying to find the most budget-friendly auto insurance rates for a Toyota Tundra.
Car insurance prices are determined by many different factors and change frequently, so the cheapest company the last time you shopped around may now not even be in the top five.
The agents shown below can probably provide answers to your questions and help you determine which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to get some guidance when comparing insurance rates for a Toyota Tundra. It can be hard to find the cheapest car insurance policy, so getting advice from a licensed agent can provide you satisfaction knowing your policy gives you adequate coverage if you have an accident or claim.
To find an auto insurance agency near you, click the button following the list or click here to get price quotes now.
Farmers Insurance: W. Faye Giovenetti
1833 W March Ln #2 – Stockton, CA 95207 – (209) 472-7704
Raj Insurance Services
1743 Grand Canal Blvd #12 – Stockton, CA 95207 – (209) 472-2060
Acceptance Auto Insurance
2701 E Hammer Ln #108 – Stockton, CA 95210 – (209) 472-2200
Farmers Insurance – Reklai Salazar
7843 N Pershing Ave – Stockton, CA 95207 – (209) 407-4000
Mark Berbower Insurance Agency
2 W Swain Rd – Stockton, CA 95207 – (209) 405-1088
How to find the cheapest car insurance for a Toyota Tundra
The list below details some money-saving suggestions that can help drivers locate cheaper car insurance.
- Too many claims can make car insurance unaffordable
- Do not get tickets
- Better credit rating means better rates
- Accidents can significantly increase rates
- Vehicles with good safety ratings are usually cheaper to insure
- Compare prices frequently to find the best deal
That last piece of advice is especially valuable, as we noted in this piece. Rates can change considerably based on profitability, so don’t be hesitant to buy a policy from a new company if a cheaper rate is available.
Having a favorite company is fine, but we do not recommend it if that stubbornness costs you money that could be going to better use. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Toyota Tundra in Stockton.