Cheapest Insurance Quotes for a Toyota Camry in Oklahoma

The likelihood of finding the best cheap car insurance for a Toyota Camry in Oklahoma is contingent on lots of different factors such as your age, whether or not you have prior claims, and violations on your driving record. Drivers in Oklahoma pay approximately $1,290 a year to insure a Camry, but that price is an estimate using rate data for a 30-year-old single female who purchased comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 30 and maybe not even a female, you might be married instead of single, or maybe you do not need full coverage. Auto insurance is unique to every driver, so the best way to find the most affordable coverage for your Toyota is to regularly compare rates at renewal.

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The trim level of your vehicle tends to have a direct impact on the insurance rate, so the price to insure a Camry LE trim level will be $214 lower than the price to insure the higher-end Camry Hybrid model, as shown in the prices below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Oklahoma which can revise premium rates noticeably.

Deciphering which companies offer the lowest-priced auto insurance rates for a Toyota Camry will take a little more effort than just getting one or two price quotes. Every auto insurer uses a different method to set their prices, so let’s take a look at the lowest cost auto insurance companies in Oklahoma.

It’s a good idea to be aware that Oklahoma auto insurance rates are calculated based on many things that control the policy premium. Improving your credit rating, increasing deductibles, or having a fender bender may prompt premium changes that may make certain companies affordable when they were higher priced.

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USAA generally has some of the best car insurance rates in Oklahoma at around $1,150 per year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the cut as some of the more affordable Oklahoma car insurance companies.

In the rate table above, if you are a policyholder with Oklahoma Farmers Union and switched to USAA, you might see a yearly price reduction of about $40. Customers with The Hartford may save as much as $209 a year, and GEICO insureds might lower prices by $244 a year.

To see how much you can save, click here to begin a quote or click through to the companies below.

Bear in mind that those estimates are averages across all insureds and vehicles and do not factor in a specific rate value for a Toyota Camry. So the company that can offer the best rates for your situation may not even be included in the list of companies shown earlier. That’s why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Discounts on Oklahoma auto insurance

Auto insurance companies that provide the cheapest insurance for a Toyota Camry in Oklahoma could also offer price discounts that could potentially reduce rates by 40% or more if you meet specific criteria. A few of the larger companies and a partial list of their discounts can be read below.

• American Family may have discounts that include air bags, TimeAway discount, accident-free, bundled insurance, Steer into Savings, and multi-vehicle.
• Nationwide offers discounts including defensive driving, family plan, multi-policy, easy pay, accident-free, and anti-theft.
• MetLife may offer discounts for good driver, defensive driver, good student, accident-free, multi-policy, and claim-free.
• 21st Century has discounts for teen driver, driver training, defensive driver, theft prevention, and homeowners.
• Farmers Insurance includes discounts for pay in full, mature driver, multi-car, early shopping, business and professional, distant student, and alternative fuel.
• Allstate discounts include economy car, eSmart discount, utility vehicle, 55 and retired, passive restraint, and early signing.

The diagram below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or driving citations, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, accident-free, marriage, safe-driver, defensive driving course, and passive restraint discounts applied. In this example, the the amount saved on auto insurance for a Toyota Camry is 28% or $696.

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The information below illustrates how your choice of deductibles can impact insurance costs when quoting cheap insurance for a Toyota Camry. The premiums are based on a single male driver, full coverage, and no discounts are applied.

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The chart above illustrates that a 30-year-old driver could reduce rates by $580 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $872 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save up to $1,702 or more just by choosing higher deductibles.

If you do make the decision to raise your deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

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

When shopping for car insurance, four of the best places to start are Progressive, Allstate, State Farm, and Geico. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.