How Much Does Insurance Cost for a Toyota RAV4 in Pennsylvania?

The chances that you’ll find the best cheap auto insurance for a Toyota RAV4 in Pennsylvania depends on a lot of different factors like whether the vehicle is new, if you have prior claims, and if you have tickets or violations. Drivers in Pennsylvania will pay on average $770 each year to insure a Toyota RAV4, but that amount is calculated using a 30-year-old married male who purchased full coverage and $1,000 deductibles.

There’s a high likelihood you are not a 30-year-old male, single instead of married, or maybe you want different physical damage deductibles. Auto insurance is not the same for everyone, so the most reliable way to find cheap auto insurance rates for your Toyota is to make a habit of regularly comparing rates from other companies. It takes less than five minutes and you can get prices from some of the best companies that insure Toyota vehicles in Pennsylvania.

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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in your specific Pennsylvania location which can decrease or increase premiums significantly.

Deciphering which companies have the best auto insurance rates for a Toyota RAV4 will take a bit more effort than just picking a company at random. Every insurance company has a different process for determining prices, so we need to take a look at the most competitive auto insurance companies in Pennsylvania.

It’s important that readers know that Pennsylvania auto insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Improving your credit rating, increasing liability limits, or getting a speeding ticket may cause policy rate changes resulting in some rates now being more affordable than the competition.

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General Casualty may offer some of the lowest car insurance rates in Pennsylvania at around $718 each year. Travelers, USAA, Erie, and Penn National also are some of the cheapest Pennsylvania auto insurance companies.

In the rate table above, if you currently have a policy with USAA and switched to General Casualty, you could earn annual savings of about $67. Pennsylvania drivers with Erie could save as much as $98 a year, and Penn National customers might see rate reductions of $122 a year.

To see how much you can save, click here to start a quote or click through to the companies below.

Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Toyota RAV4. So the company that is most affordable for your situation may not even be shown in the above rate chart. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to enjoy the best auto insurance premiums in Pennsylvania for a RAV4 is to drive attentively and have a clean driving record. The example below shows how violations and at-fault collisions can drive up yearly insurance costs for each different age category. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

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The data above shows the average cost of a car insurance policy in Pennsylvania per year with no accidents or violations is $1,391. Get written up for two speeding tickets and the average cost rises to $1,908, an increase of $517 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Toyota RAV4 increases to an average of $4,069. That’s an increase of $2,678, or $223 per month, just for not driving responsibly!

Best rates: Allstate, Geico, State Farm, or Progressive

When comparing auto insurance, four companies to take a look at are Allstate, Geico, State Farm, and Progressive. Combined they insure about half of all vehicles in the U.S.. The following table compares price, claims, and customer service ratings, as well as some optional coverages that are available.

How to get cheap insurance for a Toyota RAV4 in Pennsylvania

The list below details some of the recommended money-saving suggestions that can help Pennsylvania drivers quote lower-cost coverage.

• Prevent price hikes by avoiding at-fault accidents
• Violations like speeding or DUI increase rates
• Raise deductibles to save money
• Full coverage is expensive so only insure older vehicles for liability only
• Avoid filing small claims
• Comparison shop at least once a year

The last tip is particularly important, as we stressed in the prior information. Insurance rates change constantly, so don’t be afraid to change to a new company if you can find a cheaper rate.

Loyalty to a specific company is fine, but we do not recommend it if that faithfulness ends up costing you a considerable chunk of change every month. It only takes a couple minutes to compare rates to find cheaper insurance for a Toyota RAV4.