Buying affordable auto insurance for a Toyota Tundra in Nevada relies on lots of different factors such as the mileage of your daily commute, whether or not you have filed claims in the past, and any past driving violations you may have had. Drivers in Nevada will pay on average $933 a year to insure their Tundra, but that cost is a projection using a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
More likely than not, you are not 30 and maybe not even a female, you might be single instead of married, and you may just want the cheapest liability coverage you can find. Everyone has unique insurance needs, and this illustrates why the only real way to find affordable rates for your Toyota is to do the rate comparisons yourself. Quotes only take a couple of minutes and you will get price quotes from the best companies that sell coverage in Nevada.
The trim level of your Toyota will influence the yearly cost, so the price you will pay to insure a Tundra Regular Cab 2WD will be $186 less than the cost to insure the more expensive Tundra SR/5 Crew Max 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$164||$260||$356||$22||$106||$908||$76|
|Tundra SR/5 Double Cab 2WD||$188||$318||$356||$22||$106||$990||$83|
|Tundra SR/5 Crew Max 2WD||$188||$318||$356||$22||$106||$990||$83|
|Tundra Regular Cab 4WD||$212||$318||$356||$22||$106||$1,014||$85|
|Tundra Double Cab 4WD||$212||$318||$356||$22||$106||$1,014||$85|
|Tundra SR/5 Double Cab 4WD||$212||$318||$356||$22||$106||$1,014||$85|
|Tundra Limited Double Cab 2WD||$212||$374||$356||$22||$106||$1,070||$89|
|Tundra Limited Crew MAX 2WD||$212||$374||$356||$22||$106||$1,070||$89|
|Tundra Limited Crew MAX 4WD||$236||$374||$356||$22||$106||$1,094||$91|
|Tundra SR/5 Crew Max 4WD||$236||$374||$356||$22||$106||$1,094||$91|
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in your specific Nevada location which can change premium rates considerably.
Ending up with a good quality insurance provider is hard considering how many different companies there are to choose from in Nevada. The information listed below may help you analyze which auto insurance companies you want to consider comparing prices from. These ratings only include companies that write coverage in many states, so companies that have a smaller presence are not factored into these rankings.
Top 10 Major Auto Insurers in Nevada Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- GEICO - A++
- State Farm - A++
- The Hartford - A+
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Titan Insurance - A+
Top 10 Major Auto Insurers Overall in Nevada
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top Companies for Toyota Tundra Insurance in Nevada
Types of discounts on Nevada car insurance rates
Car insurance companies that provide coverage for a Toyota Tundra may have rate discounts that could lower prices by as much as 40% or more if you are eligible. A few popular companies and the discounts they provide can be read below.
- GEICO may include discounts for anti-lock brakes, emergency military deployment, good student, seat belt use, daytime running lights, and membership and employees.
- USAA policyholders can earn discounts including family discount, defensive driver, new vehicle, safe driver, and military installation.
- Progressive offers discounts including online signing, multi-vehicle, online quote discount, continuous coverage, multi-policy, and homeowner.
- American Family has savings for air bags, accident-free, bundled insurance, defensive driver, good student, early bird, and Steer into Savings.
- Esurance includes discounts for paid-in-full, renters, good student, Switch & Save, anti-theft, and online quote.
- Farmers Insurance has discounts for distant student, bundle discounts, business and professional, alternative fuel, good student, and mature driver.
- State Farm may offer discounts for driver's education, good student, multiple policy, defensive driving training, anti-theft, and multiple autos.
The information below compares insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims, a clean driving record, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, homeowner, multiple vehicle, vehicle safety, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Toyota Tundra is 28% or $623.
The benefit of shopping around
Nevada car insurance rates are calculated based on many things that can increase the price you pay. Turning one year older, adding a teenager to your policy, or getting caught speeding may generate price changes that can make some companies more affordable than before.
Additionally, companies change rates multiple times each year to adjust for heavy claims or excess profits. Heavy losses can result in rate increases, while a profitable period may result in more affordable Tundra insurance rates.
The chart below shows the companies that have the cheapest car insurance in Nevada for a 35-year-old male driver with no violations or accidents, and solid credit. When comparing rates based on his personal profile, Travelers offers the best car insurance rates in Nevada at $939 a year. This is $635 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family round out the rest of the cheapest Nevada auto insurance companies.
In this example, we will give the driver from above an accident claim, a lower credit rating, and a speeding ticket. Since every insurance provider uses a different method for determining rates, analyzing rate quotes may now present a new list of companies as shown below.
GEICO now has the lowest car insurance rate in Nevada with Safeco, Nationwide, USAA, and Allied now rounding out the top five. This example proves why consumers need to compare lots of rates when trying to get affordable insurance quotes for a Toyota Tundra. Insurance prices are made up of many factors and can change without notice, so the cheapest option the last time you checked may now be quite expensive.