Best Cheap Insurance Quotes for a Toyota Camry in Kentucky

Your chances of buying the best cheap insurance for a Toyota Camry in Kentucky is contingent on a fairly complex equation with a lot of factors such as annual vehicle mileage, your credit score, and citations or violations on your driving record. Kentucky drivers pay approximately $1,060 every 12 months to insure a Toyota Camry, but that amount is a ballpark figure using rate data for a 30-year-old married male driver that purchased both comprehensive and collision coverage and $100 physical damage deductibles.

When making auto insurance estimates, the issue arises that you’re not a 30-year-old male, you might be single instead of married, and you want different coverage limits than the example. Each driver’s needs are different, and that demonstrates why the most reliable method for finding the cheapest insurance price for your Toyota is to put in the effort and compare rates. Price quotes are quick and you can get prices from some of the most affordable companies that offer coverage in Kentucky.

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The trim level of your vehicle has an effect on the coverage cost, so the cost to insure a Camry LE model will be $184 less than the insurance cost for the higher-end Camry Hybrid model, as shown in the chart below.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.

Insuring your vehicle with the highest-rated car insurance company is difficult considering how many companies sell insurance in Kentucky. The rank data below can help you analyze which coverage providers you want to consider when trying to find cheaper insurance for a Toyota Camry. These ratings are only comprised of the largest companies in the United States, so companies that may only write in Kentucky are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Providers in Kentucky Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top Companies for Toyota Camry Insurance in Kentucky

Violations and accidents raise rates

The easiest way to find the best cheap insurance for a Toyota Camry in Kentucky is to drive safe and avoid accidents and violations. The example below shows how speeding tickets and at-fault collisions influence auto insurance costs for each different age group. The data is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

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In the example above, the average cost of a car insurance policy in Kentucky per year with no accidents and a clean driving record is $1,839. Receive one speeding ticket and the average cost increases to $2,087, an increase of $248 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for a Toyota Camry increases to an average of $4,263. That’s an increase of $2,424, or $202 per month, just for not paying attention while driving!

The chart below demonstrates how deductible levels can raise or lower insurance prices when getting quotes for cheap insurance for a Toyota Camry. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2621,2387,2125,1877],[‘Age 30’, 1839,1669,1477,1293],[‘Age 40’, 1817,1653,1465,1289],[‘Age 50’, 1591,1449,1291,1137],[‘Age 60’, 1515,1379,1227,1079],[‘Age 70’, 1641,1493,1331,1179]]);var options = {title: ‘Deductibles and Toyota Camry Insurance Rates in Kentucky’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could reduce rates by $300 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $454 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could shave up to $744 each year by choosing a larger deductible amount. When using a larger deductible, it’s a good idea to have enough in a savings account to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Ideas for buying economical auto insurance for a Toyota Camry

Below you’ll find many penny-pinching ideas that can help Kentucky drivers buy cheaper coverage.

• Pay cheaper rates with good credit scores
• Do not pay for full coverage on older vehicles
• Drive a car with a high safety rating
• Multi-policy discounts save money
• Avoid accidents
• Comparison shop frequently

The last tip is especially necessary, as we emphasized in this piece. Prices fluctuate considerably, so drivers shouldn’t be resistant to change insurance companies if you can find a cheaper rate.

Having a favorite company is fine, but we do not recommend it if that loyalty ends up costing money that could be spent on other things. It only takes a couple minutes to compare rates and find cheaper insurance for a Toyota Camry.

Geico, Progressive, State Farm, or Allstate: Who is best?

If you are looking for the best auto insurance, some of the largest companies to start with are Geico, Progressive, State Farm, and Allstate. Combined they have about half of all policies written in the United States. All four can cover your vehicle for liability and physical damage, but each one has slightly different coverages and options that buyers can choose from. The following table compares price and claims rank as well as some different options that are available for customers.