Finding competitive car insurance for a Toyota Camry in California is pretty easy to do, but it is dependent upon a complex formula that considers things such as whether you are male or female, whether or not you have prior claims, and if you have tickets or violations. Drivers in California pay approximately $1,473 annually to insure their Camry, but that cost is an approximation using a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high likelihood that you’re not a 50-year-old male, maybe you are married instead of single, or you just prefer to insure for liability only. Even a slight difference in policy rating criteria or coverages could end up in a significant change in the cost of a policy.
Every driver’s needs are different, and that is why the way we recommend to find affordable rates for your Toyota is to put in the effort to do a thorough rate comparison. In just a couple of minutes you will be able to see rates from some of the cheapest companies that sell coverage in California.
Your Toyota’s trim level tends to impact the coverage cost, so the cost to insure a Camry LE model will be $256 less expensive the cost to insure the higher-priced Camry Hybrid model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| Camry SE | $326 | $834 | $500 | $30 | $150 | $1,840 | $153 |
| Camry XLE | $326 | $834 | $500 | $30 | $150 | $1,840 | $153 |
| Camry Hybrid | $370 | $834 | $564 | $34 | $168 | $1,970 | $164 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific zip code location which can raise or lower prices significantly.
Finding good, reasonably-priced car insurance is easier said than done, and deciding which insurers offer the lowest-priced car insurance rates for a Toyota Camry requires even more rate comparisons.
Each auto insurance company uses different criteria for determining rates, so first we will examine the most affordable car insurance companies in San Diego. It’s important that readers know that San Diego, CA car insurance rates are impacted by many things that may substantially change the price you pay. Price variation is why it is so important to compare many different companies to get the most budget-friendly insurance quotes for a Toyota Camry. Car insurance prices are made up of many factors and change substantially, so the best company when you bought your policy may now be wasting a lot of money.
Cheap Insurance Rates for Your Camry
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,513 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA generally has some of the lowest car insurance rates in San Diego at around $1,109 per year. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the more affordable San Diego, CA auto insurance companies.
In this example, if you have coverage with Nationwide and switched to USAA, you may realize yearly savings of upwards of $104. Customers with Century National may save as much as $105 a year, and CSAA policyholders might reduce rates by $113 a year.
Remember that these premium estimates are averaged for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for a Toyota Camry. So the auto insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
How to get discounts on San Diego auto insurance
Auto insurance companies that sell policies for a Toyota Camry could also offer policy discounts that can lower rates by as much as 35% or more if you qualify. Popular car insurance companies and their possible discounts are detailed below.
- State Farm offers discounts for good student, passive restraint, accident-free, defensive driving training, multiple autos, student away at school, and multiple policy.
- GEICO may have discounts that include emergency military deployment, federal employee, multi-policy, five-year accident-free, and defensive driver.
- Progressive includes discounts for online signing, multi-policy, homeowner, multi-vehicle, continuous coverage, online quote discount, and good student.
- 21st Century has savings for early bird, anti-lock brakes, theft prevention, homeowners, driver training, student driver, and automatic seat belts.
- American Family may include discounts for air bags, multi-vehicle, accident-free, early bird, good driver, bundled insurance, and good student.
- The Hartford may offer discounts for driver training, vehicle fuel type, anti-theft, air bag, and good student.
- AAA offers premium reductions for education and occupation, AAA membership discount, good driver, anti-theft, good student, pay-in-full, and multi-car.
The illustration below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, safe-driver, multiple vehicle, multiple policy, passive restraint, and claim-free discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for a Toyota Camry is 28% or $875.
The importance of shopping around for Camry insurance
San Diego, CA car insurance rates are determined by lots of factors that can increase the cost of your policy. Getting older, buying a different vehicle, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be cheaper than competitors.
Not only may your situation change, but insurance companies change rates multiple times each year to reflect underwriting profits or losses. Higher than normal claims may cause increased rates, while lower claim expenses can cause cheaper Camry insurance rates.
As an example, the graph below shows rates for the cheapest car insurance in San Diego, CA for a 45-year-old male driver with no violations or accidents, and great credit. If we look at prices based on his current situation, USAA has the best car insurance rates in San Diego at $1,187 a year. This is $464 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remainder of the best San Diego, CA auto insurance companies.
Now we will give the driver in the first chart a claim or two, slightly worse credit, and an imperfect driving record. Due to the fact that every auto insurer has a different formula for setting rates, comparing insurance quotes may now present a significantly different list of affordable San Diego car insurance companies as shown below.
Grange now has the cheapest price in San Diego with Progressive, Allstate, GEICO, and Mercury now rounding out the top five. This example proves why it is important to perform a complete rate comparison when trying to get affordable car insurance rates for a Toyota Camry.
Insurance prices are impacted by many risk factors and can change substantially, so the most economical option the last time you compared rates may now be wasting a lot of money.
How to find low-cost car insurance for a Toyota Camry
It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help California drivers locate low-cost car insurance.
- Higher credit scores may earn you cheaper rates
- Earn a discount by not filing claims
- Higher comprehensive and collision coverage deductibles will save money
- Safe vehicles cost less to insure
- Do not waste money insuring older vehicles for full coverage
- Buy your homeowners policy from the same company as your auto insurance
- Comparison shop frequently
That last idea is particularly vital, as was stressed in the article above. Prices charged by companies in San Diego change constantly, so you should be ready to buy a policy from a new company if a cheaper rate is available.
Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing a considerable chunk of change every month. Spend a few minutes and shop around and find cheaper car insurance for a Toyota Camry.
If you would rather get some help when comparing insurance rates for a Toyota Camry, the agents listed below can help you make a decision which coverages and limits you need. To locate a San Diego auto insurance agent closest to you, click the button after the list.
Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578
Karen L Wroan – State Farm Insurance Agent
12780 High Bluff Dr #180 – San Diego, CA 92130 – (858) 755-7553
Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915