Who Has Cheap Insurance for a Toyota 4Runner in Pennsylvania?

When the topic is auto insurance, the word “cheap” really shouldn’t be used as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for a Toyota 4Runner can seem impossible to find. Don’t get your dauber down, because we will show you how you can quote and buy coverage that you are able to afford.

The chances of finding cheaper coverage for a Toyota 4Runner in Pennsylvania relies on a pretty complex algorithm that uses a lot of factors like the number of years you have been driving, if you have maintained coverage continuously, and the level of deductible you choose. Pennsylvania drivers on average pay approximately $770 annually to buy insurance for a Toyota 4Runner, but that cost is an estimate that uses a 50-year-old single male driver that includes full physical damage coverage and $1,000 policy deductibles.

Odds are that you aren’t exactly 50 years old or even a male, possibly married instead of single, or maybe you do not need full coverage. Making even small differences in rating criteria can make a large difference in the price of coverage.

Each driver has unique rating factors, so the only way to find the cheapest coverage for your Toyota is to get into the habit of shopping around regularly. Rate quotes are easy and you will get price quotes from the best auto insurance companies in Pennsylvania.

View Toyota 4Runner Insurance Rates

Your Toyota’s trim level will be a contributing factor to the annual cost of coverage, so the price you pay to insure a 4Runner Sport 2WD will be $118 cheaper than the insurance cost for the more expensive 4Runner Limited 4WD model, as demonstrated by the prices below.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in zip code location which can change premium rates greatly.

Picking a highly-rated company can be rather challenging considering how many companies sell insurance in Pennsylvania. The ranking data in the next section may help you analyze which coverage providers you want to consider when comparing rate quotes. The rankings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Pennsylvania business will not be included in these rankings.

Liability only or full coverage

Finding cheap insurance for a Toyota 4Runner in Pennsylvania is the goal of most vehicle owners, and a good way to lower the cost of insurance is to buy only liability coverage. The illustration below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.

As an average, comp and collision coverage costs an extra $2,147 per year over liability only. That brings up the question if buying full coverage is a waste of money. There is no written rule to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s book value is $12,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $11,000 after paying your deductible. If you are currently paying more than $1,100 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

Progressive vs Geico vs State Farm vs Allstate

When comparing car insurance, probably the best companies to start with are Progressive, Geico, State Farm, and Allstate. When combined, they make up almost 50% of all auto insurance policies in force. The following table points out some of the different features offered by each one.