How Much Does Insurance Cost for a Toyota Camry in Iowa?

Your chances of buying cheaper auto insurance for a Toyota Camry in Iowa is dependent upon many different factors such as the safety features built into your vehicle, the performance level of your vehicle, and if you have a clean driving record. Drivers will pay on average $550 every 12 months to insure a Camry, but that rate is a valuation based on rate data for a 40-year-old married male who needs full coverage including both comprehensive and collision and $1,000 deductibles.

There is a very good chance that you are not 40 years old and maybe not even male, single instead of married, or maybe you have a speeding ticket that needs to be factored in. What seems to be a small difference in policy rating variables can cause big changes in how much insurance for a Toyota Camry costs.

Auto insurance is unique to each driver, so your best chance at finding affordable rates for your Toyota is to just take the time to do a thorough rate comparison. It takes less than five minutes and you will receive price comparisons from some of the best insurers available.

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Vehicle trim level will likely have an effect on the cost of insurance, so the price you pay to insure a Camry LE model will be $94 less than the cost to insure the high end Camry Hybrid trim level, as shown by the rates below.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific zip code location which can influence premiums substantially.

Comparing rates for low-cost auto insurance is not easy, and deciding which companies quote the lowest-priced insurance rates for a Toyota Camry calls for even more work.

Each insurance company has a unique formula for determining rates in each state, so first we will examine the most competitive insurance companies in Iowa. It’s a good idea to know that Iowa insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Simply having another birthday, buying a higher-value vehicle, or getting a couple of tickets may prompt premium changes that can make some companies higher when they were quite affordable.

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USAA offers some of the most affordable car insurance rates in Iowa at around $683 each year. Partners Mutual, Western National, Allied, and Hastings Mutual also rank well as some of the more affordable Iowa auto insurance companies.

As the example above demonstrates, if you currently have coverage with Western National and switched to USAA, you could realize savings of in the vicinity of $94. Drivers with Allied might save as much as $96 a year, and Hastings Mutual insureds might lower prices by $188 a year.

Remember that these policy rates are averaged for all insureds and vehicles and and are not figured with a specific rate value for a Toyota Camry. So the car insurance company that has the lowest price for you may not even be shown in the above rate chart. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.

Get discount Iowa insurance

Insurance providers that sell cheap insurance for a Toyota Camry in Iowa may also offer policy discounts that could potentially reduce rates by as much as 25% or more if you meet certain criteria. A list of insurance companies and some of the discounts are included below.

• GEICO policyholders can earn discounts including anti-theft, membership and employees, multi-vehicle, defensive driver, air bags, and federal employee.
• USAA has discounts for family discount, military installation, loyalty savings, driver training, new vehicle, and multi-policy.
• Progressive may have discounts that include online signing, homeowner, continuous coverage, good student, multi-vehicle, and multi-policy.
• American Family offers discounts for good student, early bird, accident-free, TimeAway discount, air bags, and good driver.
• Esurance offers discounts including claim free, defensive driver, Pac-12 alumni, online quote, online shopper, good student, and multi-policy.
• Farmers Insurance discounts include pay in full, multi-car, distant student, switch companies, good student, and homeowner.
• State Farm may offer discounts for accident-free, safe vehicle, multiple policy, anti-theft, passive restraint, Steer Clear safe driver discount, and good student.

The example below illustrates the comparison of insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Iowa state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, marriage, accident-free, multiple policy, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a Toyota Camry is 28% or $507.

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Progressive vs State Farm vs Geico vs Allstate

If you want reliable insurance for a Camry in Iowa, some of the largest companies to start with are Progressive, State Farm, Geico, and Allstate. All of them have a distinct set of features and optional coverages that may influence your buying decision. The data below shows ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.