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2005 Toyota Camry Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Sep 17, 2020

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Average insurance rates for a 2005 Toyota Camry are $976 a year with full coverage. Comprehensive costs on average $148, collision insurance costs $202, and liability coverage costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs around $2,108. Teen drivers receive the highest rates at up to $3,984 a year.

Annual premium for full coverage: $976

Rate estimates for 2005 Toyota Camry Insurance

Comprehensive $148
Collision $202
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 Toyota Camry models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $518 for basic liability insurance to a much higher rate of $2,108 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $976
High Risk $2,108

View Chart as Image

2005 Toyota Camry insurance rates compared
Column chart showing 2005 Toyota Camry insurance prices range from $593 to $3,984 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2005 Toyota Camry Insurance

Searching Companies

Searching for better auto insurance rates for your Toyota Camry? Locating better insurance prices for your Toyota Camry can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for auto insurance so you’re going to learn the best way to get price quotes for a Toyota and find the best price possible either online or from local insurance agents.

Take advantage of discounts

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Auto/Home Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount on Camry insurance with a few insurance companies.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.

Keep in mind that some credits don’t apply the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of providers with discount insurance rates, click here.

How to Get Auto Insurance Comparison Quotes

Comparing auto insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You can waste hours driving to local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

Most of the larger companies belong to an insurance system where prospective buyers complete one form, and every company provides a quote based on that data. This eliminates the need for quotation requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to doing it this way is buyers cannot specifically choose which carriers you will receive quotes from. If you would rather choose specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits and deductibles with each company. If each company quotes different deductibles it will be next to impossible to make an equal comparison.

How to know if you need help

When choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need added coverage for expensive stereo equipment?
  • How many claims can I have before being canceled?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If my 2005 Toyota Camry is totaled, can I afford another vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Can I rent a car in Mexico?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of car insurance helps when choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, structural damage and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, nursing services, ambulance fees and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, theft and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Save your hard earned cash

Drivers change insurance companies for any number of reasons including lack of trust in their agent, being labeled a high risk driver, unfair underwriting practices and even poor customer service. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

Low-cost 2005 Toyota Camry insurance can be bought online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

More learning opportunities

The best way to find out how much does a 2005 Toyota Camry cost to insure is to get multiple quotes. Getting quotes will help you find the best 2015 Toyota Camry price range in your area.

To jump right into finding the best 2005 Toyota Camry insurance rates, use our free tool below to save on 2005 Toyota Camry insurance costs.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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What are the safety ratings of the 2005 Toyota Camry?

Is the 2005 Toyota Camry a good car? The 2005 Toyota Camry insurance cost per month will be higher if the Toyota Camry safety ratings and features are poor. The 2005 Toyota Camry has some good safety features, such as electronic brakeforce distribution, 4-wheel ABS, daytime running lights, and passenger airbag occupant sensing deactivation.

However, the 2005 Toyota Camry didn’t do great in the Insurance Institute for Highway Safety’s (IIHS) crash tests, as you can see below.

  • Moderate overlap front: Good
  • Side with optional side airbags: Good
  • Side without optional side airbags: Poor
  • Head restraints and seats: Marginal

Poor and marginal are the two lowest ratings, so the 2005 Toyota Camry could use some safety improvements.

2005 Toyota Camry Compared Against Other Vehicles in the Same Class

The 2005 Toyota Camry is a midsize car. According to the IIHS, the 2005 Toyota Camry has average liability losses in comparison to other midsize cars. This means that 2005 Toyota Camry lowered rates may be available for liability insurance. Take a look at the other midsize vehicles below to see how their rates compare to 2005 Toyota Camry insurance rates.

To see if a 2005 Toyota Camry is worth it to insure, enter your ZIP code in our free tool to find out how much is a Toyota Camry 2005 to insure in your area.


  1. https://www.iihs.org/ratings/vehicle/toyota/camry-4-door-sedan/2005

Rates by U.S. City

2005 Toyota Camry Insurance Rates by City
City Premium
New York City, NY $1,548
Los Angeles, CA $1,668
Philadelphia, PA $1,308
Jacksonville, FL $1,420
Phoenix, AZ $1,134
Chicago, IL $1,310
Houston, TX $1,531
Seattle, WA $953
Columbus, OH $818
Indianapolis, IN $832

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Toyota Camry Insurance Rates by Driver Age
Driver Age Premium
16 $3,984
20 $2,242
30 $992
40 $976
50 $898
60 $880

Full coverage, $500 deductibles

Rates by Deductible

2005 Toyota Camry Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,128
$250 $1,060
$500 $976
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $976
50/100 $1,070
100/300 $1,187
250/500 $1,491
100 CSL $1,116
300 CSL $1,374
500 CSL $1,561

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Toyota Camry Insurance Rates for High Risk Drivers
Age Premium
16 $5,602
20 $3,578
30 $2,122
40 $2,108
50 $2,016
60 $1,996

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $131

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $43
Online Quote $65
Total Discounts $383
Rate after discounts $593

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2005 Toyota Camry Insurance Rates by State
State Premium
Alabama $886
Alaska $752
Arizona $810
Arkansas $976
California $1,112
Colorado $936
Connecticut $1,006
Delaware $1,108
Florida $1,224
Georgia $902
Hawaii $702
Idaho $662
Illinois $728
Indiana $736
Iowa $658
Kansas $930
Kentucky $1,334
Louisiana $1,448
Maine $604
Maryland $806
Massachusetts $782
Michigan $1,700
Minnesota $818
Mississippi $1,172
Missouri $868
Montana $1,052
Nebraska $772
Nevada $1,172
New Hampshire $704
New Jersey $1,094
New Mexico $868
New York $1,032
North Carolina $564
North Dakota $802
Ohio $676
Oklahoma $1,004
Oregon $896
Pennsylvania $934
Rhode Island $1,306
South Carolina $886
South Dakota $824
Tennessee $858
Texas $1,178
Utah $724
Vermont $670
Virginia $586
Washington $756
West Virginia $896
Wisconsin $676
Wyoming $872

Free Auto Insurance Comparison

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