2017 Toyota Camry Car Insurance Rates

Getting lower-cost auto insurance may at first seem to be impossible for buying insurance on the internet. When there are so many online companies available, how are drivers expected to possibly compare them all to find the lowest price available?

Smart consumers take time to compare rates as often as possible due to the fact that insurance prices trend upward over time. Just because you had the lowest rates for Camry coverage at your last renewal you may be paying too much now. There is a lot of bad advice regarding auto insurance on the web, but by reading this article, you’re going to learn some solid techniques on how to find affordable auto insurance.

Discounts for cheaper insurance rates

Insurance is expensive, but you might find some hidden discounts that can dramatically reduce your bill. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Camry coverage with a few insurance companies.
  • Accident Waiver – This one is not really a discount per se, but some insurance companies may permit one accident before raising your premiums if your claims history is clear prior to the accident.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may receive better insurance rates for Camry coverage.
  • Discounts for Cautious Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Camry coverage as compared to drivers with claims.
  • Clubs and Organizations – Belonging to a qualifying organization could trigger savings on your next insurance statement.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Early Signing – Select companies give a discount for switching companies prior to your current policy expiration. This can save 10% or more.

A quick disclaimer, some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Auto insurance companies that may offer policyholders some of the above discounts are:

Double check with each company to apply every possible discount. Depending on the company, some discounts may not be available in your area. If you would like to view insurance companies who offer discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need added coverage for expensive stereo equipment?
  • Why does it cost so much to insure a teen driver?
  • How much liability coverage do I need in my state?
  • Do I need higher collision deductibles?
  • Does my 2017 Toyota Camry qualify for pleasure use?
  • What is UM/UIM insurance?
  • Is a blown tire covered by insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.


Liability coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds, court costs and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, fire damage and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your Camry caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as ambulance fees, nursing services, doctor visits, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Have the Midas touch

Cost effective 2017 Toyota Camry insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and usually these regional insurance providers prefer to sell through independent agencies.

People change insurance companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, extreme rates for teen drivers or even questionable increases in premium. Regardless of your reason, finding a new company is not as hard as you think.

When searching for cheaper insurance coverage quotes, you should never skimp on coverage in order to save money. In too many instances, an accident victim reduced full coverage only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest cost.

Helpful resources

Comments About 2017 Toyota Camry Insurance

  1. Ilona Winters

    I’m in the suburbs of Allentown, PA. Compared rates from a lot of places. Saved right around $30 a month. State Farm was the cheapest option for me. Left Encompass to switch. Have an at-fault accident tho. I just quoted rates online.

  2. Kam Randolph

    Thanks for putting this site together. I live in Knoxville, TN. Received quotes from American Family, Erie, and MetLife for my 2017 Toyota Camry and I think I am saving around $20 each month. Insured with AAA before.

  3. Sang Rojas

    Any Progressive or Esurance customers near Warren, Michigan?

  4. Noel Hoffman

    Any State Farm or Farmers customers near Bellevue, Nebraska?

  5. Austin Hartman

    I can’t pay high rates. From a town just southwest of Huntington, West Virginia. Quoted quotes from AIG Insurance, Safeco, and Travelers for my Camry and saved just over $170 a year. Left AIG Insurance to switch.

  6. Quintin Rose

    Cheap car insurance? What’s that? From northwest of Newark, Delaware. Don’t remember every company but I ended up saving about $70 each month. They were helpful in switching over.

  7. Nigel Velazquez

    If you’re a decent driver and live near Sioux Falls, SD, check out 21st Century. You might get cheaper rates. Was with Encompass. Thankfully I’m not a high risk driver.

  8. Clayton Castillo

    Any companies in Memphis, Tennessee that will insure a DUI?

  9. Tu Frederick

    Got a quote with Erie for my Toyota and saved about $190 a year. Was with Eastwood. Teenage drivers are expensive!

  10. Destiny Richards

    I found pretty cheap rate quotes for a 2017 Toyota Camry in Colorado Springs, CO. Ended up at right around $250 every six months with Auto-Owners. Might find lower rates online.

  11. Ed Baldwin

    Cheap is relative. I live just to the south of Kansas City, MO. Quoted prices online for a 2017 Toyota Camry. Ended up at about $310 savings annually. Went with 21st Century. I even had a DUI years ago. Not sure if rates are cheaper online or not.

  12. Neta Burns

    Hope my car insurance gets cheaper. From Nampa, Idaho. Received prices from Progressive, Amica, and some I forget for my 2017 Toyota Camry and I think I saved around $50 each month. Was with Allstate. It never hurts to quote around.

  13. Otto Harmon

    For me, 21st Century was by far the cheapest in Dallas, Texas.