Who Has the Cheapest Fresno Auto Insurance Rates for a Toyota Camry?

Buying the best cheap auto insurance for a Toyota Camry relies on a fairly complex equation with a lot of factors such as age of the driver, your credit status, and your motor vehicle report. Drivers pay approximately $998 a year to insure their Camry, but that is an estimation based on a 30-year-old married male driver with full physical damage coverage and $1,000 deductibles.

But there is a high probability that you’re not a 30-year-old male, you might be single instead of married, or maybe you don’t qualify for the same discounts. Even a minor difference in rating variables can make a large difference in the coverage rate.

This illustrates why the best method for finding cheap auto insurance rates for your Toyota is to do a thorough rate comparison.

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Your Toyota’s trim level can impact the cost of coverage, so the price you will be charged to insure a Camry LE will be $172 less expensive the cost to insure the more well-appointed Camry Hybrid trim level, as shown below.

Toyota Camry Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $210 $362 $442 $26 $132 $1,172 $98
Camry SE $210 $426 $442 $26 $132 $1,236 $103
Camry XLE $210 $426 $442 $26 $132 $1,236 $103
Camry Hybrid $238 $426 $500 $30 $150 $1,344 $112
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can influence rates noticeably.

How to find a good Fresno auto insurance company

Choosing a high-quality insurer can be challenging considering how many different companies insure vehicles in California. The rank data shown next can help you select which companies you want to consider comparing price quotes from.

The ratings below are only comprised of companies that write coverage in many states, so companies that may only write in California will not be included in the list. If you would like to check rates from many more California auto insurance companies, simply click here.

Best Auto Insurance Companies for a Toyota Camry in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Tickets and at-fault accidents raise rates

In a perfect world, the ideal way to obtain the most affordable auto insurance prices in Fresno for a Camry is to be a careful driver and avoid accidents and keep your driving record clean. The illustration below highlights how traffic violations and at-fault collisions can drive up annual premium costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of auto insurance in California per year with no accidents or violations is $3,262. Factor in one speeding ticket and the average cost increases to $3,697, an increase of $436 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Camry jumps again to an average of $7,344. That’s an increase of $4,082, or $340 per month, just for a couple of infractions!

The chart below demonstrates how choosing different deductibles can impact insurance premiums when getting quotes for cheap insurance for a Toyota Camry. The rates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could lower their policy premium by $408 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $614 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save $1,008 or more just by choosing larger deductibles.

If you make the decision to raise deductibles, it will be important to have additional savings on hand to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Get discount Fresno car insurance

Cheaper Fresno, CA auto insurance for a CamryInsurance companies that provide coverage for a Toyota Camry may also provide special discounts that can reduce rates by 40% or more if you meet eligibility requirements. Large auto insurance companies and some of their more popular discounts can be read below.

The example below illustrates the comparison of insurance premiums with and without discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, claim-free, safe-driver, accident-free, marriage, and vehicle safety discounts applied. When these discounts are applied, the average yearly reduction on auto insurance for a Toyota Camry is 28% or $847.