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How Much Does Insurance Cost for a Toyota Camry in West Virginia?

Enter your West Virginia 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 16, 2019

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The chances that you’ll find the best cheap auto insurance for a Toyota Camry in West Virginia relies on a complicated rating formula that uses factors such as your marital status, if you are currently insured, and violations on your driving record. Drivers in West Virginia pay on average $1,040 per year for Camry insurance, but that price is an estimation using rate data for a 50-year-old married male who purchased full physical damage coverage and $100 policy deductibles.

There is a really good chance that you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, or maybe you just want to insure for liability only. Having the smallest difference in policy rating factors can lead to a significant difference in the cost of insuring your Camry.

There is no perfect policy for every driver, so the most reliable method for finding cheap car insurance rates for your Toyota is to make a habit of comparing prices at least once a year. Get a free quote now and you will get price quotes from the best auto insurance companies that insure Toyota vehicles in West Virginia.

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

The specific model of Camry tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Camry LE trim level will cost $182 less than the insurance cost for the more costly Camry Hybrid version, as shown in the chart below.

Toyota Camry Insurance Rates in West Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $246 $486 $352 $20 $106 $1,210 $101
Camry SE $246 $572 $352 $20 $106 $1,296 $108
Camry XLE $246 $572 $352 $20 $106 $1,296 $108
Camry Hybrid $278 $572 $398 $24 $120 $1,392 $116
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can change prices considerably.

Deciphering which insurers offer the lowest-priced auto insurance rates for a Toyota Camry will take more time in order to find the most economical policy. Each insurance company has a proprietary method for filing rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in West Virginia.

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

Cheapest West Virginia car insurance ranked by price
Rank Company Cost Per Year
1 Erie $904
2 The Hartford $1,029
3 State Auto $1,266
4 USAA $1,274
5 Westfield $1,275
6 Progressive $1,479
7 State Farm $1,493
8 Encompass $1,572
9 Nationwide $1,598
10 GEICO $1,676
11 Safeco $1,767
12 Motorists Mutual $1,786
13 California Casualty $1,860
14 Allstate $2,230
15 Liberty Mutual $3,211
16 Sentry $3,962
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Erie may offer some of the cheapest car insurance rates in West Virginia at around $904 each year. The Hartford, State Auto, USAA, and Westfield are also some of the cheapest West Virginia insurance companies.

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In the above rates, if you currently have coverage with USAA and switched to The Hartford, you could earn savings of upwards of $245. Customers with Westfield may save as much as $246 a year, and Progressive insureds might cut rates by $450 a year.

To find out how your current rates compare, click here to start a quote or visit any of the low-priced companies below.

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

Understand that those policy rates are averages across all types of insureds and vehicles and do not take into consideration a specific rating modification for a Toyota Camry. So the insurer that can offer you the lowest price may not even be shown in the rate chart shown above. That’s why you need to get car insurance quotes using your own driver information and specific vehicle type.

The illustration below demonstrates how deductibles can influence insurance prices when getting quotes for cheap insurance for a Toyota Camry. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $410 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $616 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save $1,362 annually by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it will be necessary to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Types of discounts on West Virginia insurance rates

Discounts on auto insurance for a Toyota CamryInsurers that offer cheap insurance for a Toyota Camry in West Virginia may also provide price discounts that can lower rates by as much as 25% or more if you are eligible. Popular auto insurance companies and a partial list of their discounts are shown below.

Car Insurance Discounts for Popular Insurance Companies
Discount Progressive Allstate Geico State Farm
Bundled policies Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes
Anti-theft Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes
Air bags No Yes Yes Yes
New vehicle No Yes No Yes
Accident-free Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Low mileage Yes Yes No Yes
Military Yes No Yes Yes
Affinity/occupation No No Yes No
Full payment Yes Yes Yes No
Auto-pay Yes Yes Yes No
Loyalty Yes No No Yes
Good grades Yes Yes Yes Yes
Student away from home Yes Yes No Yes
Homeowner Yes No No No
Use seat belts No No Yes No
Quote online Yes No No No
Teenage driver Yes No No No
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The example below visualizes the comparison of insurance prices with and without discounts applied to the policy rates. The prices are based on a male driver, no claims or driving citations, West Virginia state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, defensive driving course, claim-free, multiple vehicle, and multiple policy discounts applied. When discounts are factored in, the average yearly reduction on auto insurance for a Toyota Camry is % or $.

How to get cheap insurance for a Toyota Camry in West Virginia

It is possible to find better rates, and here are some of the recommended money-saving ideas that can help West Virginia drivers locate cheaper auto insurance.

  • Assess whether full coverage is needed
  • Bundle home and auto and earn a discount
  • Good credit scores may lower your rates
  • Buy a safer vehicle
  • Pay less by remaining claim-free
  • Increase your deductibles
  • Compare rate quotes often

The last item on the list is particularly vital, as was noted in the prior article. Prices charged by auto insurers in West Virginia adjust often, so don’t be afraid to buy a policy from a new company if a better deal can be had. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty ends up costing big bucks every year. Take a couple minutes and compare prices to find cheaper insurance for a Toyota Camry.

Cheap Toyota Camry insurance quotes

Drivers have a lot of different ways to buy auto insurance in West Virginia, but the most common ways are using an exclusive insurance agency such as State Farm or Auto-Owners, a non-exclusive or independent agent, or from a direct company like Geico. All three ways can provide auto insurance quotes, but auto insurance buyers need to understand the differences in how they give price quotes.

Independent agencies can place your business with multiple companies and can get rate quotes from all of them. Agents of this type have the ability to give you more rate choices, which may give you a better overall rate comparison. If your premiums go up, your agent can just switch to a different company which is easy for the insured.

An exlusive, or captive, agency is limited to one insurance company, for example a State Farm or Farmers agent. They are unable to provide multiple price quotes, so unless you get quotes from other companies, you cannot determine which is cheapest.

Auto insurance from a direct company means you do not use an independent or exclusive agent and instead shop direct online or over the phone from a company like Progressive or Geico. Buying auto insurance direct may be preferred by people who have little risk and have a decent understanding of what specific coverages and deductibles they need.

Out of those three methods, which one works best to find cheap insurance for a Toyota Camry in West Virginia? It would be simple to say buying direct saves money since no commissions are paid to an agent, but that is not always the case. We could also say that buying from an independent agent results in the best rates because they can shop around, but that assumption is also not accurate. And often times, exclusive agents have very competitive rates that independents and direct companies can’t touch.

Since auto insurance prices are based on many different factors, the only true way to get the lowest rate is to get quotes and compare the rates. The ideal approach is to get price quotes from all three to give yourself plenty of rates to compare. For a list of auto insurance companies with low rates, click here to view.

Free Auto Insurance Comparison

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

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