Buying cheaper auto insurance for a Toyota Camry in California is pretty easy for most people, but it hinges on a lot of rating criteria such as how far you commute, the performance level of your vehicle, and citations on your driving record. California drivers pay on average $992 annually for Camry insurance, but that price is a valuation calculated using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
There’s a good chance you may not be 50 years old (or even female), possibly single instead of married, and you may just want the cheapest liability coverage you can find. Every driver’s needs are different, and that is why the best method for finding the cheapest rates for your Toyota is to compare as many rates as you can. Do a quick rate comparison now and you can get prices from some of the most affordable companies in California.
The trim level of your vehicle has an effect on the insurance rate, so the price you will pay to insure a Camry LE model will be $170 less than the insurance cost for the fancier Camry Hybrid model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Camry SE | $214 | $454 | $416 | $24 | $124 | $1,232 | $103 |
| Camry XLE | $214 | $454 | $416 | $24 | $124 | $1,232 | $103 |
| Camry Hybrid | $242 | $454 | $470 | $28 | $140 | $1,334 | $111 |
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in zip code location which can modify coverage rates substantially.
Selecting the highest-rated car insurance company can be a challenge considering how many companies sell insurance in California. The company ratings displayed below could help you choose which coverage providers you want to consider when comparing rate quotes.
These ratings only include the largest auto insurers in America, so companies that may only write in California are not taken into consideration for the list. If you wish to compare rates from these and other top-rated companies, click this link.
| 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
The information below illustrates how your deductible choice can raise or lower yearly insurance costs when quoting cheap insurance for a Toyota Camry. The data is based on a married male driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could cut expenses by $476 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $718 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices $1,434 each year by choosing larger deductibles on their policy.
When using a larger deductible, it is important to have enough in a savings account to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Chances are good that you’re overpaying for Camry insurance
Sacramento, CA car insurance rates are determined by lots of factors that will increase or decrease your annual premium. Improving your credit score, having a claim, or having an at-fault accident can produce rate changes resulting in some companies being cheaper than competitors.
Not only may things change on your end, but auto insurance companies file new California auto insurance rates as often as every three months in order to protect their financial rating. Higher than normal claim frequency or severity may cause additional price hikes, while a better claims history can result in lower-priced Camry insurance rates.
To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Sacramento, CA for a 30-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we compare prices based on her current risk profile, USAA might quote the most affordable car insurance rates in Sacramento at $1,371 each year. This is $280 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining most affordable Sacramento, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a claim surcharge, a lower credit score, and a blemish on her driving record. Because each company uses their own method for setting rates, getting updated rate quotes will most likely result in a substantially altered list of affordable Sacramento car insurance companies as shown below.
Grange now has the cheapest insurance rate in Sacramento, CA with Mercury, Allied, Allstate, and Progressive now being in the top five. This example proves why California drivers need to do a thorough rate comparison to get affordable insurance quotes for a Toyota Camry. Rates are influenced by many risk factors and can increase or decrease at any time, so the cheapest company when you bought your policy may now be quite expensive.