Finding cheaper insurance for a Toyota Camry is dependent upon a complex formula that considers things such as your gender, if you are a frequent claim filer, and citations or violations on your driving record. Missouri drivers pay on average $908 each year to insure their Camry, but that figure is a valuation using a 40-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
Odds are that you may not be 40 years old (or even female), you might be married instead of single, and maybe your Camry just needs liability-only coverage. This example demonstrates why the way we recommend to find the cheapest rates for your Toyota is to just take the time to compare rates yourself. It only takes a few minutes and you can get rates from some of the best insurers that offer coverage in Missouri.
Vehicle trim level will most likely have an effect on the cost of coverage, so the price you will pay to insure a Camry LE model will cost $160 less than the insurance cost for the high end Camry Hybrid version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $198 | $392 | $346 | $20 | $104 | $1,060 | $88 |
| Camry SE | $198 | $462 | $346 | $20 | $104 | $1,130 | $94 |
| Camry XLE | $198 | $462 | $346 | $20 | $104 | $1,130 | $94 |
| Camry Hybrid | $224 | $462 | $392 | $24 | $118 | $1,220 | $102 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in your specific Kansas City location which can change rates noticeably.
Establishing which companies quote the most affordable auto insurance rates for a Toyota Camry will take a little more work in order to find the lowest price quote. Each insurance company has a unique approach for determining rates in each state, so let’s examine the auto insurance companies that tend to have lower prices in Kansas City, MO.
We do need to point out that Missouri auto insurance rates are influenced by many factors which can substantially change the price you pay. Turning one year older, moving across town, or getting a ticket for running a stop sign may generate price changes resulting in some rates now being cheaper than competitors.
Compare Cheap Insurance Quotes for Your Camry
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $642 |
| 2 | The Hartford | $809 |
| 3 | Electric | $849 |
| 4 | Allied | $875 |
| 5 | Travelers | $1,028 |
| 6 | Auto-Owners | $1,037 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,151 |
| 10 | Cameron Mutual | $1,154 |
| 11 | American Family | $1,253 |
| 12 | State Farm | $1,258 |
| 13 | Safe Auto | $1,377 |
| 14 | Shelter | $1,404 |
| 15 | GEICO | $1,406 |
| 16 | Progressive | $1,410 |
| 17 | Safeco | $1,412 |
| 18 | MetLife | $1,415 |
| 19 | California Casualty | $1,469 |
| 20 | Encompass | $1,516 |
| Quote Your Rates Go | ||
USAA offers some of the most affordable car insurance rates in Kansas City at around $642 annually. This is $620 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers also qualify as some of the cheaper Kansas City, MO insurance companies.
In the rate table above, if you have coverage with Allied and switched to USAA, you could earn savings of around $233. Policyholders with Travelers might save as much as $386 a year, and Auto-Owners customers might reduce rates by $395 a year.
To find the cheapest coverage for you, click here or click several companies below for low rates.
Be aware that those prices are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific location for a Toyota Camry. So the company that can offer you the best rate may not even be in the top 23 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
The information below demonstrates how choosing different deductibles can increase or decrease premium costs when getting quotes for cheap insurance for a Toyota Camry. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could save $216 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $328 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save as much as $542 annually by using a higher deductible. If you do decide to increase your deductibles, it is a good idea to have additional funds squirreled away to cover the extra out-of-pocket expense associated with higher deductibles.
Your low-price policy may be costing you money
Kansas City auto insurance rates are based on many factors which can substantially decrease or increase the price of coverage. Simply turning a year older, increasing liability limits, or having a fender bender can trigger rate changes that can make some companies more affordable than the competition. Not only may things change on your end, but insurers change rates without warning to ensure their profitability. An unexpected high level of claims may cause increased rates, while lower claim levels may cause cheaper Camry insurance rates.
To help illustrate this point, the graph below compares the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with a clear driving record, no claims, and a high credit rating. If we estimate prices based on his current situation, USAA may offer the most affordable car insurance rates in Kansas City at $817 each year. This is $445 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are also included in the most affordable Kansas City, MO auto insurance companies.
Now we will pretend the driver from the first example an accident claim, bad credit, and a speeding ticket. Since each insurance company has their own process for filing rates in each state, analyzing rates may now show a slightly different list of affordable companies as shown below.
Auto-Owners now has the cheapest car insurance in Kansas City, MO with Nationwide, Farmers, The Hartford, and Cameron Mutual completing the list. This example demonstrates why it is critical to do a thorough rate comparison to find affordable auto insurance quotes for a Toyota Camry. Prices are calculated by many factors and change substantially, so the most affordable company six months ago may now not even be in the top five.
The agents listed below can probably help you decide which car insurance policy is best, as some people have coverage questions and would like to have some advice when shopping around for cheaper insurance for a Toyota Camry. It’s not always simple to find the best coverage on your own, so agents can provide you satisfaction knowing your policy gives you sufficient coverage for your assets.
To find a Kansas City insurance agent closest to you, click the button after the list or click here to compare price quotes now.
- State Farm: Bret Farrar
6406 E 87th St #103 – Kansas City, MO 64138 – (816) 333-4445 - Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200 - Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558
More Kansas City, MO insurance agents
How to find cheaper insurance for a Toyota Camry
Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help Kansas City drivers quote more affordable auto insurance.
- Drive vehicles with five-star safety ratings
- Increase deductibles to save money
- Full coverage is expensive so only insure older vehicles for liability only
- Violations and traffic tickets increase rates
- Good credit can help you save money
- Prevent rate increases by staying accident-free
- Compare price quotes at least once a year
The last tip in the list is notably vital, as was stressed in this write-up. Insurance rates in Kansas City can change in a short period of time, so don’t be afraid to change insurance companies if a better rate can be found.
Many consumers stick with the same company and that’s fine, but it’s not recommended if it’s costing you thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper car insurance for a Toyota Camry.