How Much Does Insurance Cost for a Toyota Camry in North Carolina?

Buying the best cheap auto insurance for a Toyota Camry in North Carolina depends on lots of different factors like if you have purchased a home, your residence address, and if you had any at-fault accidents in the last few years. Drivers in North Carolina will pay on average $490 per year for Camry insurance, but that policy rate is calculated based on a 50-year-old married female driver that includes full coverage including both comprehensive and collision and $1,000 policy deductibles.

It’s highly likely you are not a 50-year-old female, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Even a minor change in the criteria used to calculate rates can result in a big discrepancy in quoted rates.

Each driver’s needs are different, and that demonstrates why the only real way to find cheap insurance prices for your Toyota is to regularly compare rates at renewal.

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The specific trim level will be a contributing factor to the coverage cost, so the price to insure a Camry LE will be $84 cheaper than the cost to insure the more well-appointed Camry Hybrid version, as shown in the table below.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in vehicle location which can decrease or increase premiums considerably.

Buying coverage from a good quality company can be a challenge considering how many choices you have in North Carolina. The rank data shown below could help you choose which auto insurers to look at when trying to find cheaper insurance for a Toyota Camry.

These ratings only include major nationwide insurance companies, so companies with more of a regional focus are not factored into the list. If you wish to compare rates from the insurers below and more, click here.

Get discounts on North Carolina car insurance rates

Car insurance companies that sell cheap insurance for a Toyota Camry in North Carolina may also offer discounts that can reduce rates by as much as 25% or more if you can meet the requirements. Popular auto insurance companies and some of the premium reductions they offer can be read below.

• Farm Bureau offers discounts including renewal discount, good student, safe driver, youthful driver, multi-vehicle, driver training, and 55 and retired.
• Liberty Mutual has savings for hybrid vehicle, newly married, new vehicle discount, new graduate, and newly retired.
• State Farm discounts include student away at school, anti-theft, driver’s education, accident-free, good student, good driver, and passive restraint.
• Auto-Owners Insurance may offer discounts for safe vehicle, mature driver, company car, teen driver, and safe driver.
• GEICO may have discounts that include seat belt use, federal employee, daytime running lights, anti-lock brakes, anti-theft, military active duty, and membership and employees.
• SAFECO includes discounts for homeowner, drive less, accident prevention training, teen safety rewards, teen safe driver, and anti-lock brakes.

The chart below illustrates the difference between insurance premiums with and without discounts applied to the policy rates. The data assumes a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, homeowner, accident-free, defensive driving course, passive restraint, and multiple policy discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for a Toyota Camry is 28% or $348.

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

When shopping for insurance for a Camry, four companies to consider are State Farm, Geico, Progressive, and Allstate. The data below breaks down ratings for price, service, and claims, in additional to some of the optional coverages that may be available in North Carolina.