Who Has the Cheapest Insurance Quotes for a Toyota Camry in West Virginia?

Your ability to find cheaper auto insurance for a Toyota Camry in West Virginia relies on a lot of different factors such as how long your commute is, whether or not you are currently insured, and if your driving record is clean. Drivers in West Virginia on average pay around $1,190 per year to insure their Camry, but that policy rate is a ballpark figure calculated based on a 30-year-old married male that wants full comprehensive and collision coverage and $100 deductibles.

There’s a good chance you are not a 30-year-old male, single instead of married, or maybe you have a couple of speeding tickets. Insurance is an individual thing, so your best chance at finding cheap insurance prices for your Toyota is to take your time and compare rates from as many companies as possible.

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The specific trim level tends to have a direct effect on the cost of insurance, so the price to insure a Camry LE will be $206 less than the insurance cost for the high end Camry Hybrid model, as shown in the table below.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in West Virginia location which can lower or raise prices noticeably.

Ending up with a high-quality car insurance provider is hard considering how many different insurance companies sell coverage in West Virginia. The rank data in the lists below could help you choose which car insurance providers to look at when trying to find the cheapest insurance for a Toyota Camry.

These rankings are only comprised of large insurance companies, so smaller regional companies are not included in this list. If you wish to compare prices from the most competitive companies in West Virginia, follow this link.

Top 10 Large Auto Insurance Companies Overall in West Virginia

1. USAA
2. AAA Insurance
3. Nationwide
4. Allstate
5. State Farm
6. The Hartford
7. Safeco Insurance
8. Progressive
9. American Family
10. Esurance

Top Companies for Toyota Camry Insurance in West Virginia

Discount West Virginia auto insurance

Auto insurance companies that offer the cheapest insurance for a Toyota Camry in West Virginia may also give you price discounts that could lower prices by as much as 35% or more if you meet specific criteria. A few popular companies and a partial list of their discounts are:

• AAA discounts include pay-in-full, multi-car, education and occupation, good student, and multi-policy.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, good driver, accident-free, driver’s education, safe vehicle, and Drive Safe & Save.
• Esurance has savings for renters, safety device, good driver, multi-car, paid-in-full, online shopper, and defensive driver.
• Nationwide offers discounts for good student, easy pay, accident-free, anti-theft, multi-policy, and business or organization.

The illustration below illustrates the comparison of insurance premiums with and without discounts applied. The premiums assume a male driver, no claims, a clean driving record, West Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, defensive driving course, homeowner, multiple policy, anti-theft, and multiple vehicle discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Toyota Camry is 28% or $746.

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Cost of full coverage

Finding the cheapest insurance for a Toyota Camry in West Virginia is probably important to the majority of drivers, and one of the quickest ways to buy cheaper insurance is to only pay for liability coverage. The illustration below shows the comparison of insurance costs with full coverage and liability only. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3099,1303],[‘Age 30’, 1633,715],[‘Age 40’, 1585,663],[‘Age 50’, 1453,621],[‘Age 60’, 1411,609],[‘Age 70’, 1755,815]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, physical damage coverage on your policy costs an extra $1,823 per year over having just liability coverage. Many drivers may wonder when is it safe to stop buying full coverage. There is no written rule to delete comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

There are a few cases where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Progressive, Allstate, State Farm, and Geico: Who is cheapest?

When buying insurance for a Camry in West Virginia, four of the best places to start are Progressive, Allstate, State Farm, and Geico. The next table breaks down ratings and policy coverage options offered by each company.