Cheapest Insurance for a Toyota Camry in Nebraska

The odds of finding the cheapest auto insurance for a Toyota Camry in Nebraska relies on a complicated formula that considers factors such as the number of years of driving experience you have, if you have recent claims, and any driving offenses on your record. Drivers in Nebraska on average pay around $960 per year to buy Toyota Camry insurance, but that amount is a ballpark figure rating a 30-year-old married female that has full physical damage coverage and $100 policy deductibles.

If we were betting, you may not be 30 years old (or even female), possibly single instead of married, or maybe you want more liability coverage than is required by law in Nebraska. Having the smallest difference in the rating criteria used to formulate rates can lead to a significant difference in price quotes.

There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the cheapest rates for your Toyota is to make a habit of comparing rates at every renewal.

Find Cheaper Toyota Camry Insurance

The specific model of Camry impacts price, so the rate you pay to insure a Camry LE will cost $168 less than the price to insure the more costly Camry Hybrid model, as shown by the rates below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in specific zip code location which can alter price quotes substantially.

Finding good, low-priced auto insurance is not easy, and deciding which company offers the most affordable insurance rates for a Toyota Camry calls for more quotes for comparison.

Every car insurance company uses their own calculation to set premium rates, so we’ll go over the most affordable insurance companies in Nebraska. It’s important that readers know that Nebraska insurance rates are calculated based on many things that control the cost of having a policy. Improving your credit score, buying a higher-value vehicle, or getting a reckless driving citation can trigger rate changes that can now make some companies more expensive than others.

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Safeco generally has some of the best car insurance rates in Nebraska at around $812 per year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also be considered some of the lowest-priced Nebraska insurance companies.

As depicted above, if you currently buy coverage from Allied and switched to Safeco, you may see an annual savings of roughly $137. Policyholders with Farm Bureau Mutual could save as much as $178 a year, and Nationwide policyholders might cut rates by $195 a year.

Remember that these premiums are averaged for all ages of drivers and types of vehicles and do not factor in a specific rate value for a Toyota Camry. So the insurer that is best suited for you may not even be featured in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Bad driving habits will cost you more

One of the best ways to earn the cheapest insurance rates in Nebraska for a Camry is to be a cautious driver and avoid accidents and keep your driving record clean. The diagram below demonstrates how traffic citations and at-fault collisions can impact insurance prices for each different age group. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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The data charted above shows the average cost of a car insurance policy in Nebraska per year with no accidents or violations is $1,515. Add in two speeding tickets and the average cost hikes up to $2,090, an increase of $575 each year. Now include one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota Camry goes up to an average of $2,677. That’s an increase of $1,162, or $97 per month, just for not driving responsibly!

Does it make sense to buy full coverage?

Finding the cheapest insurance for a Toyota Camry in Nebraska is probably important to most drivers, and a good way to buy cheaper insurance is to not buy comprehensive and collision coverage. The chart below shows the difference between premium costs with and without physical damage coverage. The premiums assume no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 4039,1203],[‘Age 30’, 2075,661],[‘Age 40’, 2065,613],[‘Age 50’, 1875,573],[‘Age 60’, 1815,565],[‘Age 70’, 2201,753]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry in Nebraska’,minValue: 0,format: ‘$###,###’},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 insurance costs $2,345 per year more than buying just liability insurance. That is a big expense that brings up the question if you should buy full coverage at all. There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.

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

When it comes to insurance for a Camry in Nebraska, the companies with the most market share are Allstate, State Farm, Progressive, and Geico. All of them offer physical damage and liability coverage, but each has a little bit different set of discounts and options that may influence which company you choose. The following table rates pricing and service ratings, plus some optional coverages that may be available in Nebraska.