Buying cheap coverage for a Toyota Camry in Texas is usually pretty straightforward, but it relies on a lot of things such as how you use your vehicle, whether you are claim-free, and driving violations and tickets. Texas drivers will pay around $1,132 a year to insure their Camry, but that amount is an estimation based upon a 50-year-old single female driver with full coverage and $250 deductibles.
Odds are that you’re not a 50-year-old female, possibly married instead of single, or maybe you want different physical damage deductibles. Auto insurance is unique to each driver, so the only way to find cheap insurance rates for your Toyota is to do your own rate comparisons. To cut your rates now, get a free quote and you can get rates from some of the best companies that insure Toyota vehicles in Texas.
Your Toyota’s trim level will most likely have an effect on the insurance rate, so the price you will be charged to insure a Camry LE will be $194 cheaper than the price to insure the higher-priced Camry Hybrid model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific Corpus Christi garaging location which can revise coverage rates substantially.
Picking a good quality insurer is difficult considering how many companies sell insurance in Texas. The information below may help you choose which companies to look at when trying find the best insurance for a Toyota Camry. The rankings below are only comprised of companies who write in the majority of U.S. states, so smaller regional companies are not factored into this list.
Top 10 Major Auto Insurers in Corpus Christi Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Get discount Corpus Christi car insurance
Car insurance companies that provide policies for a Toyota Camry may provide special discounts that can reduce rates by 40% or more if you are eligible for them. A few of the larger companies and a selection of discounts are shown below.
- Progressive includes discounts for homeowner, multi-vehicle, online signing, continuous coverage, online quote discount, and good student.
- MetLife may include discounts for claim-free, accident-free, defensive driver, multi-policy, good driver, good student
- Mercury Insurance has discounts for age of vehicle, anti-theft, type of vehicle, location of vehicle, annual mileage, and good student.
- Nationwide offers premium reductions for accident-free, family plan, anti-theft, good student, business or organization, multi-policy, and defensive driving.
- GEICO has savings for five-year accident-free, defensive driver, seat belt use, anti-theft, military active duty, membership and employees, and multi-vehicle.
- AAA offers discounts for good student, multi-car, anti-theft, education and occupation, and good driver.
The illustration below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, safe-driver, claim-free, marriage, accident-free, and defensive driving course discounts applied. With discounts applied, theaverage yearly reduction on car insurance for a Toyota Camry is 28% or $827.
Impact of violations and accidents on rates in Corpus Christi
The obvious way to score good car insurance prices in Corpus Christi for a Camry is to drive attentively and avoid tickets and accidents. The information below demonstrates how traffic citations and at-fault accidents influence auto insurance rates for different insured age categories. Data assumes a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,400. Get one speeding ticket and the average cost increases to $2,720, an increase of $320 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Camry goes up to an average of $3,633. That’s an increase of $1,233, or $103 per month, just for not driving safely!
How to find the cheapest auto insurance for a Toyota Camry
The list below shows some of the better thrifty ideas that can help you buy cheap coverage.
- Increase the comprehensive and collision deductibles on your policy
- Keep your driving record clean
- Assess whether full coverage is needed
- Do not get into accidents
- Maintaining good credit helps earn cheaper rates
- Vehicles with good safety ratings are usually cheaper to insure
- Shop your coverage around for the best deal
That last idea is highly significant, as we noted in the prior information. Insurance prices can be adjusted at any time, so drivers shouldn’t hesitate to buy from a new company if you can find a cheaper rate. Having a favorite company is great, but it’s not recommended if your bullheadedness ends up costing you a wad of cash every year. Take a few minutes and compare rates and find cheaper insurance for a Toyota Camry in Corpus Christi.
The Corpus Christi car insurance agencies listed below are willing to help you make a decision which car insurance policy is best, as many consumers aren’t sure which coverage to buy and prefer to have professional advice when comparing insurance rates for a Camry. It can be difficult to find the cheapest rate yourself, so a licensed agent can provide you peace of mind knowing you have adequate coverage when you need it most. To locate an agency near you, click the button link following the list.
Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300
Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097
Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717