How Much is Insurance for a Toyota Camry in Idaho?

Finding the best cheap auto insurance for a Toyota Camry in Idaho is contingent on a lot of different factors like your birth date, whether or not you have filed claims in the past, and any driving offenses on your record. Drivers will pay on average $870 a year to insure a Toyota Camry, but that amount is an estimate assuming a 30-year-old single female driver that has comprehensive and collision coverage and $250 policy deductibles.

When projecting a rate like this, the problem is that you are not 30 and maybe not even a female, possibly married instead of single, or you need different deductibles. What seems to be a small difference in the factors used in pricing a policy can make a big difference in the coverage rate.

Auto insurance is not the same for everyone, so the best way to quote cheap insurance rates for your Toyota is to compare as many rates as you can.

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The trim level of your Toyota tends to have a direct effect on the yearly cost, so the price you pay to insure a Camry LE trim level will be $152 less expensive the cost to insure the more costly Camry Hybrid trim level, as shown by the rates below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in Idaho location which can lower or raise rates greatly.

Selecting a good quality car insurance provider can be rather challenging considering how many choices drivers have in Idaho. The company rank data in the lists below can help you analyze which coverage providers you want to consider when trying to find the cheapest insurance for a Toyota Camry.

The rankings below are for large nationwide companies, so companies with more of a regional focus are not included in these rankings. If you wish to compare prices from the most competitive companies in Idaho, click here.

Top 10 Large Car Insurance Companies in Idaho Ranked by Customer Satisfaction

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

Top 10 Large Car Insurance Companies in Idaho Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Nationwide
8. Esurance
9. 21st Century
10. Safeco

Top Companies for Toyota Camry Insurance in Idaho

Types of discounts on Idaho insurance rates

Insurers that offer cheap insurance for a Toyota Camry in Idaho may provide rate discounts that could potentially reduce rates by 25% or more if you qualify for them. A few popular companies and a selection of discounts include:

• Farm Bureau includes discounts for renewal discount, safe driver, 55 and retired, multi-vehicle, and good student.
• MetLife offers discounts including defensive driver, good driver, claim-free, good student, multi-policy, accident-free
• Progressive offers discounts for multi-policy, good student, online quote discount, homeowner, and multi-vehicle.
• AAA discounts include good student, good driver, pay-in-full, anti-theft, multi-policy, and AAA membership discount.
• American Family may include discounts for air bags, multi-vehicle, mySafetyValet, good student, defensive driver, and accident-free.
• GEICO policyholders can earn discounts including seat belt use, federal employee, multi-policy, emergency military deployment, anti-lock brakes, and driver training.
• State Farm has savings for Steer Clear safe driver discount, multiple policy, student away at school, Drive Safe & Save, and good driver.

The information below shows the difference between auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no tickets, no at-fault accidents, Idaho state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, multiple vehicle, safe-driver, homeowner, passive restraint, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for a Toyota Camry is 28% or $444.

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The diagram below illustrates how your choice of deductibles can change insurance costs when researching cheap insurance for a Toyota Camry. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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A 40-year-old driver could lower their policy premium by $218 a year by changing from a $100 deductible up to a $500 deductible, or save $328 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save $536 annually by using higher deductibles when buying full coverage.

When using a larger deductible, it is essential to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Is Allstate, State Farm, Progressive, or Geico cheaper?

When it comes to insurance for a Camry in Idaho, the most popular companies are Allstate, State Farm, Progressive, and Geico. All offer liability and physical damage insurance, but each one has unique options and discounts that may influence your choice. The table below breaks down some of the different options and features you can buy with each company.