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Cheap Insurance for a Toyota Camry in Delaware

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

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: Nov 7, 2019

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The likelihood of finding cheaper car insurance for a Toyota Camry in Delaware depends on an enormous amount of rating factors like how you use your vehicle, if you have a coverage lapse, and citations on your driving record. Drivers on average pay approximately $1,380 every 12 months to insure a Toyota Camry, but that figure is a valuation based on a 40-year-old single female driver that includes full coverage including both comprehensive and collision and $250 deductibles.

There’s a good chance you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you’ve had an at-fault accident or two. Everyone has unique insurance needs, and this illustrates why your best chance at finding the cheapest insurance price for your Toyota is to start the habit of comparing rates at least once a year.

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

Vehicle trim level can impact price, so the cost to insure a Camry LE will cost $238 less than the cost to insure the higher-priced Camry Hybrid trim level, as demonstrated by the prices below.

Toyota Camry Insurance Rates in Delaware
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $300 $596 $528 $32 $158 $1,614 $135
Camry SE $300 $702 $528 $32 $158 $1,720 $143
Camry XLE $300 $702 $528 $32 $158 $1,720 $143
Camry Hybrid $340 $702 $596 $36 $178 $1,852 $154
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific zip code location which can modify insurance rates considerably.

Establishing which companies quote the most affordable car insurance rates for a Toyota Camry will take a little more work in order to find the lowest price quote. Every insurance company has a proprietary formula for determining rates in each state, so we need to take a look at the overall cheapest car insurance companies in Delaware.

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It’s important to know that Delaware car insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, buying a different home, or getting into an accident can cause premium changes that may make certain companies cheaper than before.

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

Who has the cheapest car insurance in Delaware?
Rank Company Cost Per Year
1 USAA $874
2 Travelers $1,084
3 Atlantic States $1,279
4 Nationwide $1,280
5 California Casualty $1,293
6 Titan $1,372
7 National Grange Mutual $1,517
8 GEICO $1,548
9 Donegal Mutual $1,559
10 MetLife $1,727
11 Progressive $1,835
12 State Farm $1,966
13 Encompass $2,049
14 Allstate $2,834
15 Sentry $3,589
16 Liberty Mutual $6,280
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USAA normally has some of the cheapest car insurance rates in Delaware at around $874 annually. Travelers, Atlantic States, Nationwide, and California Casualty would also be considered some of the cheaper Delaware insurance companies.

As the rates illustrate above, if you are insured with California Casualty and switched to Travelers, you might see a yearly savings of upwards of $209. Customers with Titan may save as much as $288 a year, and National Grange Mutual customers might reduce rates by $433 a year.

To get a fast rate comparison, click here to start your free quote or visit any of the companies below.

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

Understand that those premium estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Toyota Camry. So the company that is best for you may not even be featured in the rate chart shown above. That is why you need to get rate quotes using your own specific driver information and vehicle.

Difference between liability only and full coverage rates

Finding cheap insurance for a Toyota Camry in Delaware is probably important to most drivers, and one of the quickest ways to find cheap insurance is to only buy liability insurance. The chart below shows the difference between car insurance costs with and without full coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

On average, full coverage on your policy costs $2,118 per year more than just buying liability insurance. That raises the question if buying full coverage is a good investment. There is no clear-cut formula for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

There are a few cases where removing full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Insurance rate increases from tickets or accidents

The easiest method to get good car insurance premiums in Delaware for a Camry is to drive carefully and avoid accidents and keep your driving record clean. The chart below illustrates how speeding tickets and accidents raise auto insurance rates for different insured age categories. The rates are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

The chart shows that the average cost of an auto insurance policy in Delaware per year with no accidents and a clean driving record is $2,042. Receive two speeding tickets and the average cost rises to $2,817, an increase of $776 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Camry goes up to an average of $5,780. That’s an increase of $3,739, or $312 per month, just for not driving safely!

Is State Farm, Geico, Allstate, or Progressive cheaper?

When buying insurance for a Camry in Delaware, four companies to consider are State Farm, Geico, Allstate, and Progressive. When combined, they insure almost half of all auto insurance written. They all offer your standard coverages, but each one has a little bit different set of discounts and options that can influence your buying decision. The data below ranks pricing and service ratings, as well as optional policy coverages offered by each company.

Comparison of State Farm, Geico, Allstate, and Progressive
State Farm Geico Allstate Progressive
Claims Service 2nd 3rd 1st 4th
Client Satisfaction 4th 1st 2nd 3rd
Policy Discounts 3rd 2nd 1st 4th
Price Overall 2nd 1st 4th 3rd
Market share percentage 18.3% 11.9% 9.7% 9.1%
Customers who recommend 88% 87% 86% 88%
Rating from A.M. Best A++ A++ A+ A+
New car replacement insurance No No Yes No
Accident forgiveness coverage No Yes Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Breakdown insurance No Yes No Yes
Usage-based rating Yes No Yes Yes
Roadside service Yes Yes Yes Yes
Coverage in Delaware Yes Yes Yes Yes
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How to find low-cost insurance for a Toyota Camry

The list below details a few penny-pinching solutions that can help drivers buy more affordable auto insurance.

  • Bundle home or renters insurance to earn a discount on car insurance
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Drive safe vehicles
  • Remain accident-free and save
  • Better credit scores save money
  • Look for cheaper rates once a year by shopping around

That last piece of advice is extremely valuable, as was emphasized in the article above. Insurance rates fluctuate considerably, so drivers shouldn’t hesitate to switch to a new company if a better rate can be found. Many drivers prefer to stick with one company, but is isn’t recommended if that faithfulness ends up costing you lots of money. Spend a few minutes and shop around to find cheaper car insurance for a Toyota Camry.

Free Auto Insurance Comparison

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

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