Who Has Cheap Insurance Quotes for a Toyota Camry in North Dakota?

Your chances of finding cheap auto insurance for a Toyota Camry in North Dakota depends on a large number of factors like miles driven annually, if you have recent claims, and whether or not you are a good driver. Drivers will pay on average $780 per year to buy insurance for a Toyota Camry, but that amount is based on a 50-year-old married male driver that included full coverage including both comprehensive and collision and $250 deductibles.

There is a very good chance that you are not a 50-year-old male, you might be single instead of married, or maybe you live in a different area as the quoted rates. What seems to be a small difference in rating factors can precipitate large changes in rate quotes.

Auto insurance requires individual risk assessment, so the best way to quote the cheapest rates for your Toyota is to get into the habit of comparing rates once a year. Price quotes are quick and you will receive prices from the cheapest companies that offer coverage in North Dakota.

View Toyota Camry Insurance Rates

The specific model of Camry will influence the insurance rate, so the rate you will pay to insure a Camry LE model will be $132 less expensive the insurance cost for the higher-priced Camry Hybrid trim level, as shown in the prices below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can revise premiums noticeably.

Selecting a good quality auto insurance company can be challenging considering how many companies sell coverage in North Dakota. The company ratings listed below can help you choose which car insurance providers you want to consider when shopping your coverage around. The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in North Dakota are not taken into consideration for the list.

Top 10 Large Car Insurance Companies in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

Top Companies for Toyota Camry Insurance in North Dakota

Poor driving habits will raise your insurance rates

In a perfect world, the ideal way to earn cheap insurance premiums for a Camry is to be a safe driver and avoid accidents and traffic citations. The chart below illustrates how traffic citations and accidents increase insurance rates for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

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The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $2,097. Add in one speeding ticket and the average cost swells to $2,376, an increase of $279 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for a Toyota Camry goes up to an average of $4,681. That’s an increase of $2,584, or $215 per month, just for not driving carefully!

Discount North Dakota auto insurance

Insurance providers that sell cheap insurance for a Toyota Camry in North Dakota may also offer premium discounts that could reduce prices by 40% or more if you qualify. A few of the larger companies and some of their more popular discounts are detailed below.

The diagram below shows the comparison of insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims, a clean driving record, North Dakota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, multiple policy, multiple vehicle, marriage, vehicle safety, and anti-theft discounts applied. With discounts applied, the average savings per year on insurance for a Toyota Camry is 14% or $501.

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Find cheap insurance for a Toyota Camry in North Dakota

The list below summarizes a few penny-pinching solutions that can help North Dakota drivers quote cheaper coverage.

• Increase your credit rating
• If your vehicles are older, consider dropping full coverage
• Do not get traffic violations
• Prevent rate increases by staying accident-free
• Increase the comprehensive and collision deductibles on your policy
• Vehicles with good safety ratings have lower liability rates
• Compare prices as often as possible

The last tip in the list is incredibly significant, as was discussed in the article above. Car insurance prices in North Dakota can change considerably based on profitability, so don’t be unwilling to switch companies if a better rate can be found. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing hundreds every year. Now is a great time to compare prices and find cheaper insurance for a Toyota Camry.

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

When shopping around for car insurance, four companies to definitely compare rates with are Progressive, Geico, Allstate, and State Farm. When combined, they have about half of all policies written in the United States. Each company has different options that can influence your buying decision. The following table compares some of the different options and features that may be available in North Dakota.