Buying affordable insurance for a Toyota Camry is dependent upon a pretty complex algorithm that uses a lot of factors such as annual miles driven, your address, and citations or violations on your driving record. Drivers in California will pay around $1,341 a year to insure their Camry, but that price is based upon a 50-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
There’s a good chance you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Every driver’s needs are different, and that is why the only way to find cheap car insurance rates for your Toyota is to compare as many rates as you can. In less than five minutes you will be able to see rates from top-rated companies that sell coverage in California.
The specific model of Camry tends to have a direct effect on the insurance rate, so the cost to insure a Camry LE will be $230 less expensive the cost to insure the more well-appointed Camry Hybrid version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| Camry SE | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| Camry XLE | $294 | $698 | $500 | $30 | $150 | $1,672 | $139 |
| Camry Hybrid | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in zip code location which can impact auto insurance rates substantially.
California car insurance companies
Insuring your vehicle with the top insurance company can be a challenge considering how many choices you have in California. The company rank data in the lists below may help you pick which auto insurers to look at purchasing a policy from.
The ratings below are only made up of large, nationwide insurance companies, so smaller regional companies will not be included in these rankings. To get price quotes from these companies and more, follow 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 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Bakersfield car insurance rates
Auto insurance companies that provide policies for a Toyota Camry may also give you discounts that may potentially lower prices by 30% or more if you meet specific eligibility requirements. Companies and their possible discounts can be found below.
- Progressive offers discounts for good student, multi-policy, homeowner, online quote discount, online signing, and continuous coverage.
- AAA offers premium reductions for multi-policy, multi-car, education and occupation, good student, pay-in-full, good driver, and anti-theft.
- Farmers Insurance policyholders can earn discounts including business and professional, switch companies, homeowner, pay in full, and distant student.
- GEICO discounts include multi-policy, air bags, five-year accident-free, emergency military deployment, defensive driver, membership and employees, and daytime running lights.
- Esurance may have discounts that include multi-car, defensive driver, renters, online quote, anti-lock brakes, emergency road assistance, and safety device.
- SAFECO has savings for accident prevention training, anti-lock brakes, safe driver, teen safe driver, teen safety rewards, and bundle discounts.
- State Farm may include discounts for Drive Safe & Save, accident-free, safe vehicle, good driver, multiple autos, passive restraint, and driver’s education.
The example below illustrates the difference between auto insurance rates with and without discounts applied. The information is based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, vehicle safety, multiple vehicle, passive restraint, multiple policy, and claim-free discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a Toyota Camry is 28% or $685.
Comparing rates on Camry insurance can save you money
California car insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Simply getting older, buying a different home, or getting a DUI may cause policy rate changes that can cause some rates to be cheaper than others. And not only may your rating factors change, but car insurance companies file new California auto insurance rates as often as every three months as an adjustment for underwriting gains or losses. Unexpectedly high claims may result in more expensive prices, while lower claim expenses may cause cheaper Camry insurance rates.
The data below shows the company with the cheapest car insurance in Bakersfield, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and good financial standing. If we compare prices based on her personal risk profile, USAA has the most affordable car insurance rates in Bakersfield at $1,186 each year. This is $465 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the top five cheapest Bakersfield, CA auto insurance companies.
Now let’s give the driver in the first example a couple of claims, a lower credit rating, and a stop sign violation. Since each company has their own guidelines for determining rates in each state, getting updated rate quotes will most likely result in a significantly different list of the cheapest companies as shown below.
Grange now has the best auto insurance rate in Bakersfield with Allstate, Mercury, Progressive, and GEICO completing the list. This illustrates why it is important to compare rates to get the lowest insurance quotes for a Toyota Camry.
Insurance prices are calculated by many things and can decrease or increase without notice, so the cheapest rate six months ago may now be wasting a lot of money.
How to find budget-friendly insurance for a Toyota Camry
The list below summarizes many money-saving suggestions that can help Bakersfield drivers get more affordable coverage.
- Drivers with good credit often pay less
- Ensure your driving record is clean
- Lower rates by purchasing a safer vehicle
- Accident-free drivers may qualify for discounts
- Higher deductibles save money
- Shop around for cheaper prices often
The last tip is incredibly vital, as was emphasized in this write-up. Auto insurance prices vary considerably, so you should be ready to switch to a new company if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you hundreds of dollars a year. In less than five minutes you could compare prices and find cheaper car insurance for a Toyota Camry in Bakersfield.