Cheapest 2005 Toyota Camry Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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.

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.

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 air bag 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 air bags: Good
  • Side without optional side air bags: 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.



Frequently Asked Questions

How can I find lower insurance rates for my 2005 Toyota Camry?

To find lower insurance rates for your 2005 Toyota Camry, you can take advantage of discounts offered by insurance companies. It’s important to research both well-publicized and hidden discounts that you may qualify for. Additionally, comparing auto insurance rates from different companies can help you find the best price. You can use online tools to obtain quotes from multiple insurance providers.

What is the best way to get auto insurance comparison quotes?

The best way to get auto insurance comparison quotes is by using online tools that allow you to fill out one form and receive quotes from multiple insurance companies. This eliminates the need to contact each company individually for quotes. However, if you prefer to choose specific providers, you can create a list of the cheapest auto insurance companies in your area and request quotes from them. Make sure to compare coverage limits and deductibles to make an accurate comparison.

  1. What are the different types of car insurance coverage? Car insurance coverage can include:

  • Liability coverage: Protects against damage or injury you cause to other people or property.
  • Uninsured/Underinsured Motorist (UM/UIM) coverage: Protects you and your vehicle occupants from motorists who have inadequate or no liability coverage.
  • Med pay and Personal Injury Protection (PIP): Cover short-term medical expenses, funeral costs, and other related expenses resulting from an accident.
  • Comprehensive insurance: Pays for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.
  • Collision coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.

How can I save money on auto insurance?

  1. To save money on auto insurance, consider the following:
  • Shop around and compare quotes from different insurance companies.
  • Take advantage of available discounts.
  • Maintain a good driving record and avoid accidents and traffic violations.
  • Consider raising your deductible, but ensure it’s an amount you can afford.
  • Bundle your auto insurance with other policies, such as homeowners or renters insurance, for potential discounts.
  • Drive a car with

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