Buying the cheapest insurance for a Toyota Camry in Arizona depends on a fairly complex equation with a lot of factors such as how safe your vehicle is, whether or not you have filed claims in the past, and your policy deductibles. Drivers in Arizona pay on average $778 per year to insure their Camry, but that amount is an estimate based on a 40-year-old single male driver with full coverage and $1,000 deductibles.
Most likely you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. Auto insurance is not the same for everyone, so the way we recommend to find cheap car insurance rates for your Toyota is to do a thorough rate comparison.
The specific trim level will influence the cost of insurance, so the cost to insure a Camry LE trim level will be $132 cheaper than the insurance cost for the fancier Camry Hybrid trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $140 | $282 | $362 | $22 | $108 | $914 | $76 |
| Camry SE | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Camry XLE | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Camry Hybrid | $158 | $332 | $410 | $24 | $122 | $1,046 | $87 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in garaging location in Tucson which can revise rates greatly.
Finding dependable, affordable insurance is easier said than done, and determining which companies have the most affordable auto insurance rates for a Toyota Camry will involve even more perseverance.
Each auto insurer has a proprietary method for establishing rates, so we’ll go over the most competitive auto insurance companies in Tucson.
Find the Cheapest Auto Insurance for Your Camry
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,505 |
| 20 | Safeway | $1,554 |
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The Hartford has some of the lowest car insurance rates in Tucson at around $820 annually. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the best Tucson, AZ auto insurance companies.
As shown above, if you currently have a policy with Travelers and switched to Auto-Owners, you could see an annual savings of in the neighborhood of $189. Customers with USAA might save as much as $227 a year, and Progressive insureds might lower prices by $233 a year.
These estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for a Toyota Camry. So the insurer that can offer you the best price may not even be in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.
Safe drivers pay less for auto insurance
The best way to get low auto insurance rates for a Camry is to pay attention while driving and avoid tickets and accidents. The diagram below shows how traffic citations and at-fault accidents impact insurance costs for each age group. The data assumes a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,336. Add in one speeding ticket and the average cost increases to $1,537, an increase of $201 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Camry jumps again to an average of $3,402. That’s an increase of $2,066, or $172 per month, just for not driving safely!
Full coverage rates compared to liability-only
Paying less for auto insurance should be important to the majority of people, and a great way to buy cheap insurance for a Toyota Camry is to not pay for full coverage. The information below compares car insurance rates when comparing full coverage to liability only. The information is based on no claims or violations, $250 deductibles, single marital status, and no other discounts are factored in.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,870 per year more than buying just liability insurance. Many drivers will wonder if full coverage is worth the money. There isn’t a steadfast formula of when to drop physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,500 after the deductible is paid. If you are paying in excess of $650 a year to have full coverage, the it may be a good time to stop paying for full coverage.
Discount Tucson car insurance
Car insurance companies that offer cheap quotes for a Toyota Camry may also provide policy discounts that could potentially reduce rates by 25% or more if you meet the requirements. A list of companies and a summarized list of policyholder discounts can be read below.
- Progressive offers discounts for online signing, good student, multi-vehicle, online quote discount, and multi-policy.
- GEICO policyholders can earn discounts including military active duty, multi-vehicle, driver training, defensive driver, and good student.
- State Farm has savings for student away at school, anti-theft, passive restraint, multiple policy, good driver, and Steer Clear safe driver discount.
- Esurance may offer discounts for online shopper, homeowner, online quote, good driver, anti-theft, paid-in-full, and claim free.
- The Hartford includes discounts for anti-theft, good student, driver training, bundle, vehicle fuel type, air bag, and defensive driver.
The information below shows the comparison of auto insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, multiple policy, vehicle safety, homeowner, and defensive driving course discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Toyota Camry is 28% or $564.
If you aren’t sure which coverage you need and prefer to have a little guidance when comparing insurance rates for a Camry, the agents shown below are willing to provide answers to your questions and help you determine which policy is best. To find an auto insurance agency near you, click the button following the list.
Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488
Charlie Riesgo – State Farm® Insurance Agent
131 S Camino Seco – Tucson, AZ 85710 – (520) 885-7717
Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900