How Much Does Insurance Cost for a Toyota Camry in Rhode Island?

When we talk about car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance prices. Nonetheless, cheap car insurance for a Toyota Camry can be hard to find. But don’t let us ruin your dream, because we are going to show you how you can find auto insurance that is easy on your budget.

Your odds of finding cheaper car insurance for a Toyota Camry in Rhode Island is dependent upon many rating factors such as how old the vehicle is, whether or not you garage your vehicle, and any prior driving offenses you have. Drivers in Rhode Island pay an average of $1,370 per year to insure a Toyota Camry, but that price is a valuation assuming a 30-year-old single male that includes full comprehensive and collision coverage and $250 deductibles.

There is a really good chance that you are not exactly 30 years old and possibly not even male, possibly married instead of single, and you need different coverage limits than the sample rates. Auto insurance is not the same for everyone, so the only way to find the cheapest rates for your Toyota is to regularly compare rates at renewal. Quotes are free and easy and you can get prices from top-rated companies in Rhode Island.

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The specific trim level impacts the annual cost of coverage, so the price you will be charged to insure a Camry LE trim level will be $232 cheaper than the price to insure the more expensive Camry Hybrid model, as demonstrated by the prices below.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific location information which can decrease or increase coverage rates greatly.

Selecting the top company is difficult considering how many choices you have in Rhode Island. The company ratings displayed below could help you pick which insurers to look at when looking for cheaper rates. The ratings below include the largest auto insurers in America, so companies that have a smaller presence are not included in these rankings.

Top 10 Large Car Insurance Companies Overall in Rhode Island

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Large Car Insurance Companies in Rhode Island Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top Companies for Toyota Camry Insurance in Rhode Island

How accidents and tickets impact rates

The easiest way to get cheap car insurance premiums in Rhode Island for a Camry is to be a good driver and avoid tickets and accidents. The illustration below shows how speeding tickets and at-fault collisions can affect insurance rates for different ages of insureds. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2209,2847,5513],[‘Age 30’, 1521,2159,4821],[‘Age 40’, 1513,2157,4817],[‘Age 50’, 1337,1977,4641],[‘Age 60’, 1271,1907,4575],[‘Age 70’, 1383,2019,4683]]);var options = {title: ‘Accidents, Violations, and Rhode Island Toyota Camry Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry in Rhode Island’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Rhode Island per year with no accidents and a clean driving record is $1,539. Receive two speeding tickets and the average cost rises to $2,178, an increase of $639 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Camry goes up to an average of $4,842. That’s an increase of $3,303, or $275 per month, just for not being more responsible behind the wheel!

The information below illustrates how your choice of deductibles can influence insurance costs when getting quotes for cheap insurance for a Toyota Camry. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3251,2963,2635,2325],[‘Age 30’, 2279,2071,1831,1603],[‘Age 40’, 2249,2045,1815,1595],[‘Age 50’, 1969,1793,1595,1407],[‘Age 60’, 1877,1709,1519,1337],[‘Age 70’, 2031,1849,1647,1459]]);var options = {title: ‘Impact of Deductibles on Toyota Camry Insurance Rates in Rhode Island’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could pocket $374 a year by changing from a $100 deductible to a $500 deductible, or save $562 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could possibly save $926 each year by choosing larger deductibles on their policy. When using a larger deductible, it’s a good idea to have spare funds to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Which car insurance company is best?

When shopping for car insurance, four companies you’ll want quotes from are Geico, Allstate, State Farm, and Progressive. All of them have a distict selection of optional coverages and features that shoppers can select from. The next table breaks down some of the different options offered by each one.