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

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance prices. Unfortunately, cheap car insurance for a Toyota Camry is not easy to find. Don’t get your dauber down, because we can show you some ways you can quote car insurance that is more affordable than your current policy.

The chances of finding affordable coverage for a Toyota Camry in Ohio relies on many factors such as the safety rating of your vehicle, your claims history, and any prior driving offenses you have. Ohio drivers pay an average rate of $830 each year for Camry insurance, but that is a ballpark figure based on rates for a 40-year-old single male driver who needs full physical damage coverage and $100 deductibles.

There is a high probability that you are not a 40-year-old male, you might be married instead of single, or maybe you don’t qualify for the same discounts. Auto insurance is not “one size fits all”, so your best shot at finding cheap car insurance rates for your Toyota is to do the rate comparisons yourself. Quotes are free and easy and you can get rates from the best auto insurance companies in Ohio.

Find Cheaper Toyota Camry Insurance

Vehicle trim level will likely have an effect on the cost of coverage, so the rate you will pay to insure a Camry LE model will be $144 less than the price to insure the more expensive Camry Hybrid version, as shown in the table below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can influence insurance rates noticeably.

Selecting the highest-rated car insurance company can be rather challenging considering how many companies sell insurance in Ohio. The ranking information displayed below can help you pick which companies to look at when shopping your coverage around. The rankings below are for companies that insure vehicles nationwide, so companies with more of a regional focus will not be included in this list.

Discount Ohio car insurance rates

Insurers that provide the cheapest insurance for a Toyota Camry in Ohio may also give you special discounts that could lower prices by as much as 25% or more if you are eligible. Companies and their possible discounts are shown below.

• State Farm has discounts for driver’s education, passive restraint, anti-theft, multiple policy, defensive driving training, and multiple autos.
• Farmers Insurance has savings for distant student, alternative fuel, teen driver, early shopping, and bundle discounts.
• Progressive discounts include homeowner, continuous coverage, multi-vehicle, online signing, and multi-policy.
• GEICO offers premium reductions for anti-theft, driver training, multi-vehicle, five-year accident-free, emergency military deployment, and multi-policy.
• Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, paperless, student away at school, group or association, company car, and good student.
• The Hartford offers discounts including air bag, good student, defensive driver, vehicle fuel type, anti-theft, bundle, and driver training.
• Farm Bureau includes discounts for multi-policy, good student, driver training, renewal discount, 55 and retired, and safe driver.
• USAA may offer discounts for defensive driver, family discount, safe driver, annual mileage, military installation, and multi-vehicle.

The example below compares insurance rates with and without policy discounts. The costs are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, multiple vehicle, accident-free, claim-free, marriage, and homeowner discounts applied. When these discounts are applied, the the average amount saved on car insurance for a Toyota Camry is 28% or $392.

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The diagram below demonstrates how choosing different deductibles can change annual premium costs when trying to find cheap insurance for a Toyota Camry. The information is based on a married male driver, full coverage, and no discounts are taken into consideration.

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A 40-year-old driver could cut expenses by $190 a year by increasing from a $100 deductible to a $500 deductible, or save $286 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could lower their rates as much as $630 or more just by using higher deductibles.

If you do raise deductibles, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find low-cost car insurance for a Toyota Camry

The list below details some of the better penny-pinching ideas that can help drivers buy lower-cost coverage.

• Being accident-free can lower rates significantly
• Drive safe vehicles
• Do not get traffic citations
• Bundle car and home insurance and save money
• Remove physical damage coverage on older vehicles
• Frequent claims may make car insurance unaffordable
• Shop around for lower rates once a year

That last piece of advice is extraordinarily valuable, as was noted in the article above. Car insurance rates can change significantly in a year, so don’t hesitate to buy a different policy if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that faithfulness ends up costing you lots of money. It only takes a couple minutes to compare prices to find cheaper car insurance for a Toyota Camry.