Who Has the Cheapest Car Insurance Quotes for a Toyota Camry in Laredo?

Buying competitive auto insurance for a Toyota Camry is pretty easy for most people, but it hinges on a lot of different factors such as the mileage of your daily commute, your profession, and citations or violations on your driving record. Drivers in Texas pay on average $902 a year to insure their Camry, but that is an estimation based upon a 50-year-old single male driver with full physical damage coverage and $1,000 deductibles.

But there is a high probability that you’re not a 50-year-old male, you might be married instead of single, or maybe you need higher liability limits than the state minimum. Having even a minor difference in rating factors or requested coverage amount can make a big difference in rates.

Every driver’s needs are different, and that is why the way we recommend to find the cheapest coverage for your Toyota is to do the rate comparisons yourself.

Compare Toyota Camry Insurance Rates

Your vehicle’s trim level can impact the cost of coverage, so the cost to insure a Camry LE model will be $152 less than the price to insure the more costly Camry Hybrid version, as shown in the table below.

Toyota Camry Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $156 $322 $430 $26 $128 $1,062 $89
Camry SE $156 $378 $430 $26 $128 $1,118 $93
Camry XLE $156 $378 $430 $26 $128 $1,118 $93
Camry Hybrid $176 $378 $486 $28 $146 $1,214 $101
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in Laredo location which can decrease or increase insurance rates substantially.

Car insurance company ratings

Choosing the top car insurance company can be challenging considering how many companies are available to choose from in Laredo. The company rank data displayed below could help you select which companies to look at when comparing rates.

The rankings below include major nationwide insurance companies, so smaller regional companies are not included in these rankings. If you’d like to compare prices from many more Texas auto insurance companies, simply click here.

Best Car Insurance Companies for a Toyota Camry in Laredo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The chart below shows how different deductible levels can influence annual premium costs when researching cheap insurance for a Toyota Camry. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could reduce rates by $352 a year by increasing from a $100 deductible up to a $500 deductible, or save $528 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could potentially save $870 or even more by choosing a higher deductible. When increasing deductibles, it’s a good idea to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Careless driving habits raise Laredo car insurance rates

The recommended way to maintain the best car insurance prices in Laredo for a Camry is to be an attentive driver and avoid tickets and accidents. The diagram below illustrates how violations and at-fault fender-benders impact insurance rates for different age categories. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

In the prior example, the average cost of auto insurance in Texas per year with a clean driving record and no accidents is $2,400. Receive two speeding tickets and the average cost swells to $3,231, an increase of $830 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Toyota Camry goes up to an average of $6,220. That’s an increase of $3,820, or $318 per month, just for not being more responsible behind the wheel!

How to find cheaper car insurance for a Toyota Camry

The list below summarizes some thrifty suggestions that can help you find cheap car insurance.

The last tip is highly critical, as was pointed out in this write-up. Prices can be modified anytime, so you should be ready to change insurance companies if you can save money. Brand loyalty is great, but it isn’t a good idea if your bullheadedness ends up costing you money that could be going to better use. It only take a few minutes to shop around to find cheaper car insurance for a Toyota Camry in Laredo.