Buying cheaper auto insurance for a Toyota Camry in California hinges on a lot of factors such as how safe your vehicle is, if you are a frequent claim filer, and any past driving violations you may have had. Drivers will pay on average $1,493 each year to insure their Camry, but that cost is a projection using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
There’s a good chance you may not be 30 years old (or even male), married instead of single, or maybe you’re a renter instead of a homeowner. Even a slight difference in the criteria used to calculate rates may result in a big change in how much coverage for a Toyota Camry costs.
There is no perfect policy for every driver, so the only real way to find the cheapest insurance price for your Toyota is to compare as many rates as you can. To cut your rates now, get a free quote and you can get rates from the best companies that sell coverage in California.
The specific model of Camry can impact the cost of coverage, so the price you will pay to insure a Camry LE trim level will be $254 cheaper than the price to insure the more costly Camry Hybrid model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific Long Beach garaging location which can raise or lower auto insurance rates considerably.
California auto insurance company ratings
Ending up with the right insurance provider can be a challenge considering how many companies sell insurance in Long Beach. The company information in the next section may help you pick which auto insurance companies to look at comparing prices from. The ratings below are only comprised of companies that insure vehicles nationwide, so companies without a large exposure will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Long Beach Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Companies in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Discounts on Long Beach insurance rates
Insurers that offer cheap quotes for a Toyota Camry could also offer price discounts that could potentially reduce rates by 40% or more if you are eligible for them. A few popular companies and a summarized list of policyholder discounts are included below.
- GEICO policyholders can earn discounts including emergency military deployment, military active duty, air bags, five-year accident-free, seat belt use, anti-theft, and membership and employees.
- MetLife has discounts for defensive driver, good driver, good student, accident-free, multi-policy, and claim-free.
- Progressive may have discounts that include continuous coverage, good student, multi-vehicle, online signing, homeowner, online quote discount, and multi-policy.
- Travelers offers discounts for early quote, continuous insurance, home ownership, hybrid/electric vehicle, multi-car, and new car.
- SAFECO offers premium reductions for anti-theft, accident prevention training, bundle discounts, teen safe driver, anti-lock brakes, teen safety rewards, and drive less.
- AAA includes discounts for good student, anti-theft, multi-car, multi-policy, and AAA membership discount.
The example below illustrates the difference between auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with vehicle safety, accident-free, multiple policy, homeowner, claim-free, and safe-driver discounts applied. When these discounts are applied, the average savings per year on auto insurance for a Toyota Camry is 28% or $685.
Your low-price policy may be costing you money
Long Beach, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Simply having a birthday, filing a claim, or getting a DUI can cause premium changes that can make some companies affordable when they were higher priced.
In addition to those changes, companies file new California auto insurance rates without warning to reflect underwriting profits or losses. A period of higher than normal claims may result in a rate increase, while a better claims history can cause lower-cost Camry insurance rates.
To illustrate this example, the bar chart below shows rates for the cheapest car insurance in Long Beach, CA for a 40-year-old male driver with no accidents or violations, and a high credit rating. If we look at prices based on his current situation, USAA may offer the best car insurance rates in Long Beach at $1,370 annually. This is $281 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the most affordable Long Beach, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example an accident claim, a little lower credit rating, and a couple of points charged on his driving record. Since each insurance company has a proprietary method for filing rates in each state, comparing prices could result in a different set of affordable Long Beach car insurance companies as shown below.
Grange now has the lowest price in Long Beach with Mercury, Progressive, Allstate, and Wawanesa completing the list. This shows why it is critical to shop around with many companies to get the cheapest auto insurance rates for a Toyota Camry. Auto insurance prices are impacted by many factors and can change substantially, so the most economical company two years ago may now be one of the higher cost companies.