Cheapest 2011 Toyota Camry Insurance Rates in 2023

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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 4, 2023

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Confused by the number and affordability of car insurance companies? Many other drivers are as well. Consumers have so many companies to choose from that it can be a challenge to find better auto insurance rates for their 2011 Toyota Camry.

It’s a good habit to check car insurance prices at least once a year since rates change frequently. Just because you found the best price for Camry coverage six months ago other companies may now be cheaper. So just forget all the misinformation about car insurance because you’re about to learn the best methods to save on car insurance.

Auto Insurance Prices

When shopping for auto insurance there are multiple ways of comparing rate quotes and finding the best price. The best way to find the cheapest 2011 Toyota Camry insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  1. The best way to find the lowest comparison rates is to use a rate comparison form click here to open the form in a new window. This method prevents you from having to do separate quotation requests for each individual auto insurance company. One quote request will get you price quotes from many national carriers. It’s the quickest way to get rates.
  2. A less efficient way to get comparison quotes is to take the time to go to the website of every company you want to compare and request a quote. For instance, let’s assume you want to compare rates from Auto-Owners, Safeco, and State Farm. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.
  3. The least recommended way of comparing rate quotes is driving to local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but double-check that you are using exactly the same coverage limits for every quote you compare. If you enter different deductibles it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that comparing more companies’ prices will improve the odds of getting the best-offered rates.

Lots of Discounts Mean Lots of Savings

Car insurance companies don’t always advertise all available discounts very well, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • No Claims – Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collisions. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

  • State Farm
  • Nationwide
  • AAA
  • 21st Century
  • The Hartford

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be offered in every state.

Situations That Might Require an Agent

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I get high-risk coverage after a DUI?
  • What is covered by UM/UIM coverage?
  • What discounts do I qualify for?
  • Does having multiple vehicles earn me a discount?
  • How does a 2011 Toyota Camry’s cost influence my insurance rates?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Saving up to $412 a year? Really?

Car insurance companies such as GEICO, State Farm, and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that you can save if you switch to them. How do they all say the same thing?

All the different companies can use profiling for the type of customer that makes them money. For instance, a driver they prefer might be a mature driver, has no driving citations, and has excellent credit. A prospective insured who matches those parameters will qualify for the lowest rates and as a result, will probably save when they switch companies.

Potential insureds who don’t meet this ideal profile must pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save money. That’s why companies can state their savings. This illustrates why drivers must get quotes from several different companies. It is impossible to predict which company will give you the biggest savings on Toyota Camry insurance.

Auto Insurance 101

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.


Liability coverage can cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. Your policy might show policy limits of 100/300/100 which means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, legal defense fees, and emergency aid. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.


This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, theft, and rock chips in the glass. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical Payments and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like ambulance fees, prosthetic devices, doctor visits, EMT expenses, and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible


This coverage pays for damage to your Camry from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage can pay for claims like colliding with another moving vehicle, crashing into a building, and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Affordable Insurance Is Out There

We’ve covered some good ideas on how you can lower your 2011 Toyota Camry insurance rates. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

People who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, lack of trust in their agent, or delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

The cheapest insurance is definitely available from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

For more information, feel free to browse the resources below:

  • Drunk Driving Statistics (Insurance Information Insitute)
  • Shopping for a Safe Car (Insurance Information Insitute)
  • Safe Vehicles for Teens (
  • All About Airbag Safety (State Farm)
  • Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

Frequently Asked Questions

What factors contribute to the cost of insurance for a 2011 Toyota Camry?

Several factors influence the cost of insurance for a 2011 Toyota Camry. Some key factors include the driver’s age, driving history, location, credit score, and the coverage options selected. Additionally, the car’s make and model, its age, safety features, repair costs, and the likelihood of theft or accidents may also impact insurance premiums.

Are there any specific insurance discounts available for a 2011 Toyota Camry?

Yes, many insurance companies offer discounts that may help lower the cost of insurance for a 2011 Toyota Camry. Some common discounts include safe driver discounts, multi-policy discounts (bundling car and home insurance), good student discounts, low mileage discounts, and discounts for safety features like anti-theft devices or anti-lock brakes. It is advisable to check with your insurance provider to determine which discounts you may be eligible for.

How can I find the cheapest insurance rates for a 2011 Toyota Camry?

To find the cheapest insurance rates for a 2011 Toyota Camry, consider the following steps:

  1. Shop around: Get quotes from multiple insurance companies and compare their rates.
  2. Increase deductibles: Opting for a higher deductible can lower your premium, but make sure you can afford the out-of-pocket expense if needed.
  3. Maintain a clean driving record: Having a good driving history can qualify you for lower insurance rates.
  4. Look for discounts: Ask insurance providers about any discounts available specifically for a 2011 Toyota Camry or for other factors like safe driving or multiple policies.
  5. Consider usage-based insurance: Some insurers offer policies where premiums are based on your driving habits, potentially providing lower rates if you’re a safe driver.
  6. Explore group insurance: Check if you qualify for any group insurance programs through your employer, alumni associations, or professional organizations.
  7. Evaluate coverage options: Assess your coverage needs and consider opting for the minimum coverage required by your state, as long as it adequately protects you and your vehicle.

Is it possible to lower insurance costs for a 2011 Toyota Camry by improving its safety features?

Yes, improving the safety features of your 2011 Toyota Camry can potentially lead to lower insurance costs. Installing additional safety devices such as anti-theft systems, anti-lock brakes, airbags, or a vehicle tracking system may qualify you for insurance discounts. These features can reduce the risk of theft or injury, making the car safer to insure.

Are there any specific insurance considerations for an older vehicle like the 2011 Toyota Camry?

When insuring an older vehicle like the 2011 Toyota Camry, it’s important to consider factors such as the car’s value and the cost of repairs compared to the potential payout from an insurance claim. In some cases, the cost of comprehensive or collision coverage may outweigh the benefits, especially if the car’s value has significantly depreciated. Liability coverage, which is typically required by law, may still be necessary to protect against damages caused to others in an accident.

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