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.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Compare Rates Now Go | ||||||
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
Insurance 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.
- Farm Bureau offers premium reductions for good student, multi-vehicle, multi-policy, youthful driver, and safe driver.
- State Farm may include discounts for safe vehicle, accident-free, defensive driving training, multiple policy, good driver, and multiple autos.
- Progressive policyholders can earn discounts including good student, online signing, continuous coverage, online quote discount, and multi-policy.
- Allstate may offer discounts for anti-theft, economy car, FullPay discount, safe driver, premier plus, and new car.
- Nationwide offers discounts including multi-policy, Farm Bureau membership, easy pay, good student, and defensive driving.
- MetLife offers discounts for good driver, defensive driver, good student, claim-free, multi-policy, and accident-free.
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.