Cheapest Insurance Quotes for a Toyota Camry in Arizona

Whether or not you can find cheap auto insurance for a Toyota Camry in Arizona relies on a pretty complex algorithm that uses a lot of factors such as whether you are male or female, the likelihood of your vehicle being stolen, and if you have tickets or violations. Drivers in Arizona on average pay around $750 each year to insure a Camry, but that amount is an estimate calculated based on a 40-year-old married male driver that purchased full coverage including both comprehensive and collision and $500 policy deductibles.

There is a high likelihood that you’re not a 40-year-old male, single instead of married, and maybe you want higher deductibles. Car insurance coverage is unique to each driver, so this is why the most reliable way to find cheap auto insurance rates for your Toyota is to take your time and compare rates from as many companies as possible. Rate quotes are easy and you will receive prices from some of the most affordable companies that offer coverage in Arizona.

Compare Toyota Camry Insurance Rates

The trim level of your Toyota tends to impact the insurance rate, so the price to insure a Camry LE model will cost $128 less than the price to insure the higher-priced Camry Hybrid model, as shown in the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in zip code location which can affect insurance rates considerably.

Choosing a highly-rated insurance company can be rather challenging considering how many companies provide coverage in Arizona. The ranking data shown below could help you analyze which car insurance companies you want to consider comparing rates from. The ratings below only include major nationwide insurance companies, so companies that focus mainly on Arizona business are not taken into consideration for the list.

Top 10 Major Auto Insurance Companies in Arizona Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top 10 Major Auto Insurance Companies in Arizona Ranked by A.M. Best Rating

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

Top Companies for Toyota Camry Insurance in Arizona

Difference between liability only and full coverage rates

Finding the cheapest insurance for a Toyota Camry in Arizona is important to most drivers, and one good way to reduce the cost of insurance is to not insure for full coverage. The illustration below compares insurance prices when comparing full coverage to liability only. The premiums are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

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If we average the cost for ages 20 through 70, full coverage costs $1,998 per year more than insuring for liability only. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There isn’t a written rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying your policy deductible. If it’s costing in excess of $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

Allstate vs Geico vs Progressive vs State Farm

When it comes to car insurance, four companies you’ll want quotes from are Allstate, Geico, Progressive, and State Farm. Each one has somewhat different options that add value to each policy. The table below points out some of the ratings and options shoppers can find with each company.

How to find cheaper insurance for a Toyota Camry

It is possible to find better rates, and here are many money-saving ideas that can help Arizona drivers buy the cheapest auto insurance.

• Accidents can significantly increase rates
• Buy vehicles with five-star safety ratings
• Increase your physical damage deductibles
• Increase your credit score
• Violations like speeding or DUI increase rates
• Compare rates regularly and switch companies to save money

The last tip in the list is highly significant, as we pointed out in this write-up. Insurance prices can be modified anytime, so drivers shouldn’t be reluctant to switch companies if a better rate can be found. Loyalty to a specific company is fine, but it’s not a great idea if that loyalty results in overpaying a small fortune. In just a few minutes you could shop around to find cheaper car insurance for a Toyota Camry.