Best Cheap Insurance for a Toyota RAV4 in Massachusetts

Your odds of finding the best cheap auto insurance for a Toyota RAV4 in Massachusetts is dependent upon a complicated equation that takes into consideration things like driver age, what you do for a living, and any prior driving offenses you have. Drivers on average will pay $920 each year to insure a RAV4, but that is that rates a 50-year-old single male driver who needs full physical damage coverage and $500 deductibles.

It’s more than likely you are not exactly 50 years old and possibly not even male, you might be married instead of single, or maybe your Massachusetts zip code is rated cheaper than the example. Auto insurance is unique to each driver, so the best way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible. In just a couple of minutes you will get price quotes from some of the cheapest companies that insure Toyota vehicles in Massachusetts.

Insure Your Toyota for Less

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in garaging location in Massachusetts which can alter premiums substantially.

Finding cost effective car insurance is not easy, and figuring out which company quotes the lowest-priced auto insurance rates for a Toyota RAV4 calls for additional perseverance.

Every insurance provider uses a slightly different approach to determine rates, so let’s take a look at the most competitive auto insurance companies in Massachusetts. Keep in mind that Massachusetts auto insurance rates are based on many factors which can substantially decrease or increase the price you pay. Getting older, buying a home, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being higher-priced than before.

Lowest Insurance Price Quotes for Your Toyota

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State Farm normally has some of the lowest car insurance rates in Massachusetts at around $711 annually. National Grange Mutual, Commerce Group, GEICO, and OneBeacon would also make the list of some of the best Massachusetts car insurance companies.

As depicted above, if you buy coverage from GEICO and switched to State Farm, you could realize an annual savings of upwards of $165. Massachusetts drivers with OneBeacon might save as much as $165 a year, and Progressive insureds might cut rates by $308 a year.

Be aware that those premium estimates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate value for a Toyota RAV4. So the company that has the lowest price for you may not even be featured in the chart above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

Insurance rate increases from tickets or accidents

In a perfect world, the ideal way to get the best auto insurance premiums in Massachusetts for a RAV4 is to drive cautiously and not receive tickets or have accidents. The diagram below illustrates how speeding tickets and at-fault accidents can influence insurance costs for each age group. The data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

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In the example above, the average cost of car insurance in Massachusetts per year with no violations or accidents is $1,586. Receive one speeding ticket and the average cost jumps to $1,800, an increase of $214 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota RAV4 goes up to an average of $2,390. That’s an increase of $805, or $67 per month, just for not driving attentively!

Is the best company Progressive, State Farm, Allstate, or Geico?

When comparing insurance for a RAV4, four companies to take a look at are Progressive, State Farm, Allstate, and Geico. When combined, they make up over 45% of the car insurance market in the United States. The next table illustrates some of the different options that may be available in Massachusetts.