2011 Toyota Camry Insurance Rates
Average insurance rates for a 2011 Toyota Camry are $1,238 a year for full coverage. Comprehensive insurance costs an estimated $220, collision costs $400, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,688 or more. Teen drivers receive the highest rates at $4,822 a year or more.
Annual premium for full coverage: $1,238
Rate estimates for 2011 Toyota Camry Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 a middle-aged driver, prices range go from as low as $510 for basic liability insurance to a much higher rate of $2,688 for a high risk driver.
These differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.
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Recommended Companies for Cheap 2011 Toyota Camry Insurance
Confused by the number 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 rates.
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 find 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.
- The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotation requests to 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.
- A less efficient way to get comparison quotes is to take the time to go to the website for every company you want to comare 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.
To view a list of companies in your area, click here.
- 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 company’s prices will improve the odds of getting the best offered rates.
Recommended Companies for the Best Insurance 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 collision. 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:
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?
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.
Save $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 propective 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 the 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 car insurance
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 that 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 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.
Med pay 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 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 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:
- Car Insurance: When not to Skimp (BankRate.com)
- Drunk Driving Statistics (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- All About Airbag Safety (State Farm)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,959|
|Los Angeles, CA||$2,115|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$86|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.