Best Toyota Camry Auto Insurance in 2024 (Check Out These 10 Companies)
The best Toyota Camry auto insurance includes top providers Geico, Progressive, and State Farm, offering rates as low as $75 per month. These companies offer competitive Toyota Camry car insurance rates, reliable coverage, and excellent service, making them the top choices for affordable and dependable protection.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Jul 30, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Geico, State Farm, and Progressive offer the best Toyota Camry auto insurance rates, starting at $75 per month. For the most affordable coverage, Geico excels with its competitive pricing and comprehensive policies. If you’re asking “how much is car insurance for a Toyota Camry,” Geico provides the best balance of cost and coverage. Explore these top providers to find the ideal insurance solution for your needs.
The article covers how factors like the car a teen drives affect auto insurance rates and compares Toyota Camry Hybrid car insurance options. It also explores cost-saving tips and coverage details.
Our Top 10 Company Picks: Best Toyota Camry Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Numerous Discount Geico
#2 12% A+ Snapshot Program Progressive
#3 20% B Reliable Coverage State Farm
#4 10% A Good Driver Liberty Mutual
#5 10% A+ Vanishing Deductible Nationwide
#6 8% A++ Broad Coverage Travelers
#7 10% A+ Local Agent Farmers
#8 10% A+ New Cars Allstate
#9 10% A Loyalty Discounts American Family
#10 11% A+ Customer Satisfaction Amica
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#1 – Geico: Top Overall Pick
Pros
- Competitive Rates for Toyota Camry Owners: At $155 per month, Geico offers some of the most affordable insurance rates for Toyota Camry drivers, helping you save on your premiums.
- Extensive Discounts Available: As mentioned in our Geico auto insurance review, the company provides a variety of discounts for safe drivers, good students, and multi-policy holders, which can significantly reduce the overall cost of insuring your Toyota Camry.
- User-Friendly Online Tools: Geico’s online platform makes it easy to get quotes, manage policies, and file claims, ensuring a smooth experience for Toyota Camry owners looking for convenience.
Cons
- Mixed Customer Service Reviews: While Geico is known for its low rates, customer service experiences can be inconsistent, which may affect the satisfaction of Toyota Camry owners needing support.
- Limited Local Agents: Geico primarily operates online and over the phone, which might be a drawback for Toyota Camry owners who prefer face-to-face interactions with insurance agents.
#2 – Progressive: Best for Snapshot Program
Pros
- Affordable Premiums for Toyota Camry Drivers: At $150 per month, Progressive offers very competitive rates, making it an economical choice for insuring your Toyota Camry.
- Name Your Price Tool: Progressive’s unique pricing tool allows Toyota Camry owners to customize their insurance policy to fit their budget, ensuring they get the best coverage at a price they can afford.
- Comprehensive Coverage Options: As mentioned in Progressive auto insurance review, Progressive provides a wide range of coverage options, including gap insurance and roadside assistance, which are beneficial for Toyota Camry owners seeking comprehensive protection.
Cons
- Higher Rates After Claims: Progressive is known to increase premiums significantly after an accident, which can be a concern for Toyota Camry drivers with less-than-perfect driving records.
- Mixed Claim Handling Experiences: Some Toyota Camry owners have reported dissatisfaction with Progressive’s claims process, citing delays and lack of communication as key issues.
#3 – State Farm: Best for Reliable Coverage
Pros
- Competitive Rates for Toyota Camry Insurance: With an average rate of $160 per month, State Farm offers competitive pricing for Toyota Camry drivers, providing good value for comprehensive coverage.
- Comprehensive Coverage Options: State Farm provides extensive coverage options for Toyota Camry owners, including add-ons and customizations tailored to individual needs.
- Wide Network of Local Agents: State Farm’s extensive network of local agents provides Toyota Camry owners with personalized service and support, enhancing the overall customer experience. For discounts read our State Farm auto insurance discounts.
Cons
- Limited Discounts for New Customers: State Farm offers fewer initial discounts compared to some competitors, which might make it less attractive for Toyota Camry owners looking to maximize savings upfront.
- Higher Rates for High-Risk Drivers: Toyota Camry drivers with a history of traffic violations or accidents may find State Farm’s rates higher than other insurers, affecting affordability.
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#4 – Liberty Mutual: Best for Good Driver
Pros
- Tailored Coverage Options: As mentioned in our Liberty Mutual auto insurance review, the company offers customizable policies that allow Toyota Camry owners to select coverage options that best meet their individual needs, providing tailored protection.
- Accident Forgiveness Program: Liberty Mutual’s accident forgiveness can prevent your rates from increasing after your first accident, which is a valuable feature for Toyota Camry drivers.
- Comprehensive Discounts: Liberty Mutual provides a range of discounts, including multi-policy and safe driver discounts, helping Toyota Camry owners reduce their overall insurance costs.
Cons
- Higher Average Premiums: At $165 per month, Liberty Mutual’s rates are higher than some competitors, which might be a disadvantage for Toyota Camry owners seeking the lowest premiums.
- Mixed Customer Service Feedback: Some Toyota Camry owners have reported inconsistent experiences with Liberty Mutual’s customer service, which can impact overall satisfaction.
#5 – Nationwide: Best for Vanishing Deductible
Pros
- Competitive Pricing for Toyota Camry Insurance: Nationwide offers rates at $158 per month, making it a reasonably priced option for Toyota Camry owners looking for balanced coverage and cost.
- Vanishing Deductible Program: Nationwide’s vanishing deductible feature rewards safe Toyota Camry drivers by reducing their deductible over time, which can lead to significant savings.
- Strong Customer Service: Nationwide is known for its high customer service ratings, ensuring Toyota Camry owners receive prompt and effective support when needed. For more information, read our Nationwide auto insurance review.
Cons
- Limited Availability of Local Agents: Toyota Camry owners in some areas may find it challenging to access Nationwide’s local agents, which could affect their ability to receive personalized service.
- Fewer Online Tools: Compared to some competitors, Nationwide’s online tools and resources may be less comprehensive, potentially impacting the convenience for tech-savvy Toyota Camry drivers.
#6 – Travelers: Best for Broad Coverage
Pros
- Affordable Rates for Toyota Camry Drivers: At $155 per month, Travelers provides competitive insurance rates, making it an attractive option for Toyota Camry owners focused on affordability.
- Robust Coverage Options: As outlined in our Travelers auto insurance review, Travelers offers a variety of coverage options, including gap insurance and new car replacement, which are beneficial for Toyota Camry owners seeking comprehensive protection.
- Strong Financial Ratings: Travelers’ excellent financial stability ensures reliability and prompt claim settlements for Toyota Camry owners.
Cons
- Mixed Claim Processing Times: Some Toyota Camry owners have reported longer claim processing times with Travelers, which can be a disadvantage when quick resolution is needed.
- Limited Discounts for Non-Safe Drivers: Travelers may offer fewer discount opportunities for Toyota Camry drivers who do not qualify as safe drivers, affecting overall savings potential.
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#7 – Farmers: Best for Local Agent
Pros
- Extensive Coverage Options: Farmers provides a wide range of coverage options, including specialized policies for hybrid and electric Toyota Camry models, offering tailored protection.
- Strong Customer Support: Farmers is known for its excellent customer service, providing Toyota Camry owners with reliable and helpful support throughout their policy term. Check out this page Farmers auto insurance review to know more details.
- Comprehensive Discounts: Farmers offers numerous discounts, such as multi-car and safe driver discounts, which can help Toyota Camry owners reduce their overall insurance costs.
Cons
- Higher Average Premiums: At $162 per month, Farmers’ rates are on the higher side compared to some competitors, which might be a drawback for Toyota Camry owners seeking lower premiums.
- Limited Online Tools: Farmers’ online platform may not be as robust as some other insurers, which could affect the convenience for Toyota Camry owners who prefer managing their policies online.
#8 – Allstate: Best for New Cars
Pros
- Competitive Rates for Toyota Camry Insurance: With an average rate of $160 per month, Allstate offers competitive pricing for Toyota Camry drivers, providing good value for comprehensive coverage.
- Comprehensive Coverage Options: Allstate offers a variety of coverage options, including accident forgiveness and new car replacement, which are beneficial for Toyota Camry owners. Learn more about their discounts in our Allstate auto insurance review.
- Strong Customer Service: Allstate is known for its high customer service ratings, ensuring Toyota Camry owners receive prompt and effective support when needed.
Cons
- Higher Rates for High-Risk Drivers: Toyota Camry drivers with a history of traffic violations or accidents may find Allstate’s rates higher than other insurers, affecting affordability.
- Limited Availability of Local Agents: Toyota Camry owners in some areas may find it challenging to access Allstate’s local agents, which could affect their ability to receive personalized service.
#9 – American Family: Best for Loyalty Discounts
Pros
- Affordable Rates for Toyota Camry Owners: At $152 per month, American Family offers some of the most competitive insurance rates for Toyota Camry drivers, helping you save on your premiums.
- Wide Range of Discounts: American Family provides various discounts, including those for safe drivers, good students, and multi-policy holders, which can significantly reduce the overall cost of insuring your Toyota Camry.
- Strong Financial Stability: American Family’s robust financial standing ensures reliability and peace of mind for Toyota Camry owners when filing claims and receiving payouts. (Read More: American Family Auto Insurance Review).
Cons
- Limited Availability in Some Areas: American Family’s coverage might not be available in all regions, which can be a drawback for Toyota Camry owners seeking comprehensive coverage options.
- Mixed Online Experience: Some Toyota Camry owners have reported challenges with American Family’s online tools and resources, which can impact the convenience of managing policies.
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#10 – Amica: Best for Customer Satisfaction
Pros
- Competitive Pricing for Toyota Camry Insurance: At $148 per month, Amica offers some of the lowest rates for Toyota Camry drivers, providing excellent value for comprehensive coverage.
- Exceptional Customer Service: Amica is renowned for its high customer service ratings, ensuring Toyota Camry owners receive prompt and effective support when needed.
- Comprehensive Coverage Options: As mentioned in our Amica auto insurance review. Amica offers a variety of coverage options, including accident forgiveness and new car replacement, which are beneficial for Toyota Camry owners seeking extensive protection.
Cons
- Limited Availability of Local Agents: Toyota Camry owners in some areas may find it challenging to access Amica’s local agents, which could affect their ability to receive personalized service.
- Higher Rates for High-Risk Drivers: Toyota Camry drivers with a history of traffic violations or accidents may find Amica’s rates higher than other insurers, affecting affordability.
Toyota Camry Insurance Cost
Toyota Camrys are among the most economical cars on the market. With an MSRP of $25,395 and exceptionally high safety ratings, insurance companies like the Camry for its durability and cheap repair costs. This translates to more affordable auto insurance rates for Camry drivers.
The table below compares monthly rates for minimum and full coverage car insurance for a Toyota Camry from various providers.
Toyota Camry Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $76 $160
American Family $73 $152
Amica $71 $148
Farmers $79 $162
Geico $75 $155
Liberty Mutual $80 $165
Nationwide $77 $158
Progressive $72 $150
State Farm $78 $160
Travelers $74 $155
Are Toyotas expensive to insure? No. As mentioned above, the average Toyota Camry insurance cost per month is $120, saving you around $300 on car insurance every year if you drive one.
In a side-by-side comparison with other popular sedans, Toyotas are among the cheapest cars to insure. This table shows how the Camry’s rates compare to Chevrolet Cruze insurance rates and more:
Toyota Camry Auto Insurance Monthly Rates vs. Other Vehicles
Vehicle Rates
Chevrolet Cruze $131
Ford Fusion $147
Honda Accord $136
Hyundai Sonata $146
Nissan Altima $145
Toyota Camry $120
Insurance for some of the other sedans costs over $300 more per year than the Camry. This may not seem like much, but if you’re a young driver or have an accident on your record, these costs start to add up.
What Impacts the cost of Toyota Camry Insurance
Your driving record will have the biggest impact on your Toyota Camry insurance costs. Accidents, speeding tickets, and DUI charges make you a higher risk to insure, and insurance companies will raise your rates.
Age and gender have the next most significant effect on your rates. This table shows how much rates vary for younger drivers and between males and females:
Full Coverage Auto Insurance Cost by Age & Gender
Age & Gender Monthly Rates
Age: 17 Female $582
Age: 17 Male $694
Age: 25 Female $254
Age: 25 Male $270
Age: 35 Female $208
Age: 35 Male $214
Age: 60 Female $194
Age: 60 Male $204
As you can see, teen drivers pay much higher rates based on the risk associated with their age and inexperience on the road. Fortunately, there are things you can do to lower your Toyota Camry insurance rates.
You may not be able to age any faster, you can choose a Camry trim with more affordable rates.Jeff Root LICENSED INSURANCE AGENT
The year and trim you choose can impact your total price for Toyota Camry auto insurance coverage. Keep in mind that Toyota Camry auto insurance rates are higher for newer models.
For example, annual auto insurance for a 2020 Toyota Camry costs $1,645, while rates for a 2011 Toyota Camry can be as low as $800 per year. So, save money where you can by buying an older model. Additionally, considering your auto insurance deductible can also help manage costs effectively.
How to Save Money on Toyota Camry Insurance
Toyota Camrys are not expensive to insure. The average Toyota Camry insurance cost per month is $120, but you may see higher-than-average auto quotes if you’re a teen driver or have an accident on your driving record. You can keep your rates as low as possible by buying an older model.
Discover the variety of car insurance discounts offered by top providers for Toyota Camry to help you save on your premiums.
You can also compare Camry insurance costs to other Toyota models. For example, researching Toyota Corolla insurance and the best car insurance companies for a Toyota 4Runner might help you make a more informed purchasing decision regarding the Camry.
Another way to reduce your Toyota insurance rates is by asking about auto insurance discounts. Since the Camry has some of the highest safety ratings, you might be able to earn a percentage off your rates for safety features and additional anti-theft devices.
Finally, always compare auto insurance quotes from at least three companies before you buy a policy. Each insurer rates your risk differently, and you may find more affordable Toyota Camry insurance with a local company over national insurers.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
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Frequently Asked Questions
How much does it cost to insure a Toyota Camry?
On average, the cost of insuring a Toyota Camry is around $120 per month or $1,448 per year. The actual rates may vary depending on factors such as age, ZIP code, and driving record.
Are there any specific discounts available for Toyota Camry insurance?
Many insurers offer discounts for Toyota Camry owners, such as multi-car, safe driver, or low-mileage discounts. It’s best to inquire with your insurer about all available auto insurance discounts to maximize savings.
Are Toyotas expensive to insure?
No, Toyotas, including the Camry, are generally not expensive to insure. In fact, the average monthly insurance cost for a Toyota Camry is $120, which can result in annual savings of about $300 compared to other cars.
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What factors impact the cost of Toyota Camry insurance?
The cost of Toyota Camry insurance is influenced by several factors. The most significant factor is your driving record, including accidents, speeding tickets, and DUI charges. Age and gender also play a role, with younger drivers and males generally paying higher rates.
What are the best auto insurance companies for a Toyota Camry?
To find the best auto insurance rates for a Toyota Camry, it’s recommended to compare quotes from multiple companies. Based on average rates, USAA and Geico offer some of the cheapest insurance options for Camry drivers.
How does having a Toyota Camry affect my car insurance premiums?
The Toyota Camry generally has moderate insurance premiums due to its safety features and reliability, but rates can vary based on factors like the model year and driver history.
How can I save money on Toyota Camry insurance?
There are several ways to save money on Toyota Camry insurance. Buying an older model can result in lower rates, as newer models tend to have higher insurance costs. Additionally, asking about discounts for safety features and anti-theft devices, and comparing quotes from different companies can help you find more affordable coverage.
How does the age of a Toyota Camry affect its auto insurance rates?
The age of a Toyota Camry can significantly impact insurance rates. Older models may have lower premiums due to reduced repair costs and lower replacement values, while newer models might cost more to insure due to higher repair and replacement costs.
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Does the type of Toyota Camry model affect insurance rates?
Yes, different Toyota Camry models, such as the hybrid or high-performance versions, can impact insurance rates. Premium models may have higher rates due to increased repair costs or higher value.
Read More: Compare Auto Insurance Rates by Vehicle Make and Model
How does the Toyota Camry’s safety features impact insurance rates?
The Toyota Camry’s advanced safety features, such as automatic emergency braking and lane departure warning, can help reduce insurance rates by lowering the risk of accidents.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
