Buying affordable auto insurance for a Toyota RAV4 in Pennsylvania hinges on a pretty complex algorithm that uses a lot of factors such as miles driven annually, whether or not you have prior claims, and driving violations and tickets. Pennsylvania drivers will pay around $875 annually to insure their RAV4, but that amount is an estimate based on a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
Odds are that you aren’t exactly 30 years old or even a male, possibly single instead of married, and you may just want the cheapest liability coverage you can find. Just a slight change in the rating criteria used to formulate rates could end up in a significant change in the price of a policy.
Everyone has unique insurance needs, and this illustrates why the only real way to find cheap auto insurance rates for your Toyota is to compare rates from as many companies as possible. To start saving now, get free quotes and you can get prices from some of the cheapest companies that insure vehicles in Pennsylvania.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 Sport 2WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 Limited 2WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 Limited 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 Limited 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| RAV4 Sport 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location information which can decrease or increase prices greatly.
Philadelphia car insurance companies ranked
Selecting the top car insurance provider is difficult considering how many companies sell coverage in Philadelphia. The rank data displayed below can help you select which companies you want to consider purchasing from.
The ratings below are for large nationwide companies, so companies without a large exposure are not factored into these rankings. To check prices from these companies and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on insurance rates
The obvious way to get cheap car insurance premiums in Philadelphia for a RAV4 is to drive attentively and avoid accidents and keep your driving record clean. The illustration below shows how speeding tickets and accidents impact insurance rates for different age categories. The data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of an auto insurance policy in Philadelphia per year with no accidents and a clean driving record is $1,412. Get written up for one speeding ticket and the average cost jumps to $1,647, an increase of $235 each year. Now include one accident along with the one speeding ticket and the annual cost of car insurance for a Toyota RAV4 jumps again to an average of $2,300. That’s an increase of $887, or $74 per month, just for not driving safely!
Discount Philadelphia insurance
Auto insurance companies that provide coverage for a Toyota RAV4 could also offer rate discounts that could potentially reduce rates by 40% or more if you qualify for them. A few of the larger companies and some of the discounts are detailed below.
- Farm Bureau discounts include multi-policy, youthful driver, multi-vehicle, safe driver, and renewal discount.
- State Farm offers discounts including Drive Safe & Save, multiple autos, student away at school, accident-free, and passive restraint.
- Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, good student, continuous coverage, and homeowner.
- Allstate has discounts for farm vehicle, resident student, FullPay discount, anti-lock brakes, and good student.
- Nationwide offers discounts for good student, accident-free, family plan, business or organization, easy pay, and anti-theft.
- MetLife has savings for accident-free, defensive driver, claim-free, good driver, good student, multi-policy
The chart below shows the difference between auto insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, marriage, defensive driving course, passive restraint, homeowner, and claim-free discounts applied. With discounts applied, theaverage yearly reduction on car insurance for a Toyota RAV4 is 28% or $567.
Why you should be comparing rates
Philadelphia car insurance rates are impacted by many things that control the cost of your policy. Improving your credit score, buying a home instead of renting, or getting into an accident may generate price changes resulting in some companies being cheaper than competitors. Not only may your situation change, but insurance companies file new rates multiple times each year to adjust for gains or losses. Larger than normal claims can result in additional price hikes, while a better loss history can result in cheaper RAV4 insurance rates.
To help illustrate this point, the data below shows the company with the cheapest car insurance in Philadelphia, PA for a 30-year-old female driver with no prior claims, no tickets, and good financial standing. When quoting prices based on her current rating profile, General Casualty might offer the lowest car insurance rates in Philadelphia at $1,601 a year. This is $56 less than the average premium paid by Pennsylvania drivers of $1,657. Erie, USAA, Travelers, and Penn National are also included in the most affordable Philadelphia, PA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident claim, slightly worse credit, and a traffic ticket or two. Due to the fact that every insurance company has a unique approach to set premium rates, comparing quotes may result in a slightly different list of affordable companies as shown below.
Amica now has the best insurance rate in Philadelphia, PA with Atlantic States, Donegal Mutual, Erie, and USAA also having competitive pricing. This example demonstrates why it is so important to shop around with many companies when trying to get the cheapest auto insurance quotes for a Toyota RAV4.
Car insurance prices consist of many different factors and can decrease or increase without notice, so the best option the last time you shopped around may now be one of the more expensive options.
Ideas for buying low-cost car insurance for a Toyota RAV4
Here are some of the recommended money-saving ideas that can help Philadelphia drivers find cheaper coverage.
- Pay less by remaining claim-free
- Being accident-free can lower rates significantly
- Avoid speeding and other traffic citations and pay less
- Good credit can mean cheaper rates
- Vehicles with safetly features generally cost less to insure
- Compare rate quotes frequently
The last suggestion is remarkably crucial, as was discussed in this piece. Car insurance prices can change significantly in a year, so don’t be hesitant to buy a different policy if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over several years. Take a couple minutes and compare rates to find cheaper car insurance for a Toyota RAV4 in Philadelphia.