Who Has Cheap Insurance for a Toyota Tacoma in Pennsylvania?

Our staff writers always rib each other than when writing about car insurance, the words “cheap” or “affordable” should not appear as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for a Toyota Tacoma may be a thing of the past. Don’t let that ruin your day, because we are going to show you some ways you can still get insurance that won’t break your budget.

Your chances of buying affordable car insurance for a Toyota Tacoma in Pennsylvania hinges on a complicated rating formula that uses factors like the number of years you have been driving, what you do for a living, and your driving record. Drivers in Pennsylvania pay on average $1,260 per year to buy insurance for a Toyota Tacoma, but that amount is an estimation that rates a 40-year-old single female that purchased comprehensive and collision coverage and $100 policy deductibles.

There is a high probability that you are not a 40-year-old female, maybe you are married instead of single, and you might want liability-only or different deductibles. Each driver has unique rating factors, so the most reliable method for finding cheap insurance prices for your Toyota is to make a habit of comparing rates at every renewal.

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The trim level of your Toyota tends to have a direct effect on the cost of insurance, so the price to insure a Tacoma 2WD trim level will cost $70 less than the price to insure the higher-priced Tacoma Double Cab TRD Sport Package 4WD version, as shown in the chart below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in vehicle garaging location which can revise prices significantly.

Locating reasonably-priced car insurance is not always easy, and deciding which company has the best car insurance rates for a Toyota Tacoma may require even more rate comparisons.

Each auto insurer has their own process to set their prices, so let’s rank the car insurance companies with the overall cheapest rates in Pennsylvania. It’s a good idea to know that Pennsylvania car insurance rates are impacted by many factors that control the price you pay. Improving your financial situation, getting divorced, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper than before.

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General Casualty generally has some of the cheapest car insurance rates in Pennsylvania at around $718 each year. Travelers, USAA, Erie, and Penn National would also make the list of some of the more affordable Pennsylvania auto insurance companies.

In the above rates, if you are a policyholder with Erie and switched to General Casualty, you could see an annual premium reduction of around $74. Policyholders with Penn National might save as much as $122 a year, and Auto-Owners insureds might lower prices by up to $285 a year.

To see how much you can save, click here to begin a quote or visit any of the low-priced companies below.

These prices are averages across all drivers and vehicles in Pennsylvania and do not factor in a specific rate factor for a Toyota Tacoma. So the car insurance company that fits your age and vehicle best may not even be shown in the company chart above. That illustrates why you need to compare prices as often as possible using your own driver and vehicle profiles.

Drive responsibly or pay higher rates

The recommended way to get low car insurance rates in Pennsylvania for a Tacoma is to be an attentive driver and avoid traffic citations and accidents. The diagram below illustrates how speeding tickets and accident claims can impact insurance rates for each different age group. The price estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3177,3779,4375],[‘Age 30’, 1681,2283,2885],[‘Age 40’, 1645,2247,2845],[‘Age 50’, 1499,2103,2701],[‘Age 60’, 1451,2051,2649],[‘Age 70’, 1775,2377,2975]]);var options = {title: ‘Impact of Tickets and Accidents on Pennsylvania Toyota Tacoma Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy in Pennsylvania per year with no violations or accidents is $1,871. Get written up for two speeding tickets and the average cost increases to $2,473, an increase of $602 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Tacoma goes up to an average of $3,072. That’s an increase of $1,200, or $100 per month, just for not keeping your driving record clean!

Discounts on Pennsylvania insurance rates

Insurers that provide cheap insurance for a Toyota Tacoma in Pennsylvania may have premium discounts that could lower prices by as much as 30% if you meet certain criteria. Popular car insurance companies and some of the discounts include:

The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, multiple policy, accident-free, claim-free, defensive driving course, and homeowner discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Toyota Tacoma is 14% or $237.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3177,2285],[‘Age 30’, 1681,1225],[‘Age 40’, 1645,1193],[‘Age 50’, 1499,1087],[‘Age 60’, 1451,1053],[‘Age 70’, 1775,1281]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Toyota Tacoma’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Which major car insurance company is best?

When comparing rates for insurance for a Tacoma in Pennsylvania, the most popular companies are Allstate, Progressive, Geico, and State Farm. Combined they make up 48.5% of the entire U.S. car insurance market. All of them offer liability and physical damage protection, but each on has different optional coverages and features that may influence your buying decision. The following table compares and contrasts some of the different options you can expect with each one.