Want a free price quotes on the cheapest Toyota Tundra insurance in Honolulu? Have you had enough of scraping the payment together to pay your insurance bill each month? You are in the same boat as many other Hawaii consumers.

Insurance rates Toyota Tundra in HonoluluShockingly, nearly 70% of drivers have remained with the same insurance company for more than four years, and nearly half have never compared insurance rates at all. Most drivers in Honolulu could save an average of as much as $356 each year just by getting comparison quotes, but they assume it's a waste of time to compare rate quotes online.

Big companies like State Farm, Progressive and GEICO persitently shower you with TV and radio ads and it is difficult to ignore the propaganda and effectively compare rates to find the best deal.

Consumers need to do rate comparisons before your policy renews because rates tend to go up over time. Even if you got the lowest premium rates on Toyota Tundra insurance in Honolulu last year you may be paying too much now. There are lots of tips to save on Tundra insurance on the web, but in just a couple of minutes you can learn some of the best techniques to lower your insurance premiums.

Most major insurance companies allow you to get price estimates online. Comparing Toyota Tundra insurance rates online is pretty painless as all you need to do is type in the coverage amounts you desire into the form. Once entered, the company's rating system orders your credit score and driving record and returns a price quote based on these factors. Quoting online for Toyota Tundra insurance in Honolulu makes it easy to compare insurance prices and it's absolutely necessary to compare as many rates as possible if you want to get the cheapest possible prices on car insurance.

To find out how much you can save on car insurance, compare rates from the companies below. To compare your current rates, we recommend you copy the coverages as close as possible to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for similar insurance coverage.

The following companies are our best choices to provide comparison quotes in Honolulu, HI. If several companies are displayed, we suggest you get prices from several of them in order to find the most affordable rates.

Toyota Tundra Insurance Price Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $198 $348 $404 $24 $120 $1,094 $91
Tundra SR/5 Double Cab 2WD $198 $338 $306 $18 $92 $952 $79
Tundra SR/5 Crew Max 2WD $224 $474 $362 $22 $108 $1,190 $99
Tundra Regular Cab 4WD $198 $342 $282 $16 $84 $922 $77
Tundra Double Cab 4WD $136 $246 $388 $24 $116 $910 $76
Tundra SR/5 Double Cab 4WD $256 $424 $404 $24 $120 $1,228 $102
Tundra Limited Double Cab 2WD $182 $320 $306 $18 $92 $918 $77
Tundra Limited Crew MAX 2WD $144 $272 $282 $16 $84 $798 $67
Tundra Limited Crew MAX 4WD $136 $250 $338 $20 $102 $846 $71
Tundra SR/5 Crew Max 4WD $326 $484 $392 $24 $118 $1,344 $112
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in zip code location which can influence coverage prices significantly.

How careless driving impacts car insurance rates

The chart below demonstrates how traffic citations and at-fault collisions can drive up Toyota Tundra auto insurance rates for different age groups. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Car insurance rates based on gender

The information below shows the difference between Toyota Tundra annual premium costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

An analysis of deductible level

The hardest decision when buying coverage is how high should your deductibles be. The data tables below show the price difference when you choose different physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Toyota Tundra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $178 $284 $300 $18 $90 $895 $75
Tundra SR/5 Double Cab 2WD $204 $344 $300 $18 $90 $981 $82
Tundra SR/5 Crew Max 2WD $204 $344 $300 $18 $90 $981 $82
Tundra Regular Cab 4WD $230 $344 $300 $18 $90 $1,007 $84
Tundra Double Cab 4WD $230 $344 $300 $18 $90 $1,007 $84
Tundra SR/5 Double Cab 4WD $230 $344 $300 $18 $90 $1,007 $84
Tundra Limited Double Cab 2WD $230 $406 $300 $18 $90 $1,069 $89
Tundra Limited Crew MAX 2WD $230 $406 $300 $18 $90 $1,069 $89
Tundra Limited Crew MAX 4WD $258 $406 $300 $18 $90 $1,097 $91
Tundra SR/5 Crew Max 4WD $258 $406 $300 $18 $90 $1,097 $91
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Toyota Tundra insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $144 $228 $300 $18 $90 $780 $65
Tundra SR/5 Double Cab 2WD $166 $278 $300 $18 $90 $852 $71
Tundra SR/5 Crew Max 2WD $166 $278 $300 $18 $90 $852 $71
Tundra Regular Cab 4WD $188 $278 $300 $18 $90 $874 $73
Tundra Double Cab 4WD $188 $278 $300 $18 $90 $874 $73
Tundra SR/5 Double Cab 4WD $188 $278 $300 $18 $90 $874 $73
Tundra Limited Double Cab 2WD $188 $328 $300 $18 $90 $924 $77
Tundra Limited Crew MAX 2WD $188 $328 $300 $18 $90 $924 $77
Tundra Limited Crew MAX 4WD $210 $328 $300 $18 $90 $946 $79
Tundra SR/5 Crew Max 4WD $210 $328 $300 $18 $90 $946 $79
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in Honolulu location which can revise prices significantly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $11 more each month or $132 annually than choosing the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would probably save some money by going with a higher deductible.

Why you need auto insurance

Despite the high cost of buying insurance for a Toyota Tundra in Honolulu, buying auto insurance serves an important purpose.

The benefits of insuring your Tundra more than cancel out the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so it's important to compare rates every year to save money.

Get Lower-cost Insurance Rates by Understanding These Factors

Multiple criteria are used in the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, although some other factors are not as apparent such as your marital status or how financially stable you are. Part of the auto insurance buying process is learning the different types of things that help determine the price you pay for auto insurance. If you have some idea of what determines premiums, this helps enable you to make changes that may result in big savings.

The itemized list below are some of the major factors utilized by car insurance companies to help set premiums.

Cheaper Honolulu car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but there's a good chance there are discounts to cut the cost considerably. A few discounts will be applied at quote time, but some need to be asked about prior to getting the savings.Car insurance discounts

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way. Any qualifying discounts will definitely reduce the premium cost.

Car insurance companies that may have many of the previously listed discounts include:

When getting a coverage quote, ask all companies you are considering to apply every possible discount. All car insurance discounts may not apply to policyholders in Honolulu. To find companies with the best Toyota Tundra insurance discounts in Hawaii, follow this link.

What insurance coverages do I need?

Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there really isn't a "perfect" insurance plan. You are unique.Drive safe and save

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Local Honolulu insurance agents and insurance

Some consumers just want to sit down and talk to an agent and doing so can bring peace of mind An additional benefit of comparing insurance online is you can get cheap rate quotes and still have an agent to talk to. Buying from and supporting local agents is important especially in Honolulu.

Honolulu insurance agentsTo find an agent, once you fill out this simple form, the coverage information is immediately sent to companies in Honolulu that can give you free Honolulu car insurance quotes for your insurance coverage. It's much easier because you don't need to contact any agents due to the fact that quote results will go straight to your inbox. You can get cheaper insurance rates AND a local agent. If you have a need to get a comparison quote from a particular provider, you just need to jump over to their website and complete a quote there.

Honolulu car insurance agents come in two flavors

If you're trying to find a reliable insurance agent, it can be helpful to understand the different types of agents and how they operate. Insurance policy providers can either be exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Agents that elect to be independent do not have single company limitations so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies and you stay with the same agent.

When comparing rate quotes, it's recommended you get quotes from at a minimum one independent agency in order to compare the most rates.

Featured below are independent insurance agencies in Honolulu that may be able to provide comparison quotes.


1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map


1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map


250 Ward Ave #220 - Honolulu, HI 96814 - (808) 626-5068 - View Map

View more Honolulu agents

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their company's products which helps offset the inability to provide other markets.

Listed below are exclusive agents in Honolulu willing to provide price quotes.


1682 Kalakaua Ave #1 - Honolulu, HI 96826 - (808) 638-3673 - View Map


600 Kapiolani Blvd #210 - Honolulu, HI 96813 - (808) 599-7666 - View Map


2038 S King St - Honolulu, HI 96826 - (808) 952-5353 - View Map

View more Honolulu agents

Selecting a auto insurance agent needs to be determined by more than just the bottom line cost. Any agent in Honolulu should be willing to answer these questions.

Once you have received answers to your satisfaction to all your questions and locked in a price quote, you have narrowed it down to a car insurance agent that can be relied on to insure your vehicles.

In conclusion

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, extreme rates for teen drivers and poor customer service. Whatever your reason, finding a new company is less work than it seems.

We covered quite a bit of information on how to compare Toyota Tundra insurance rates in Honolulu. The key concept to understand is the more companies you get car insurance rates for, the better chance you'll have of finding affordable Honolulu car insurance quotes. You may even be surprised to find that the lowest rates are with a small local company.

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price.

More tips and info about auto insurance can be read at these sites: