Buying the best cheap insurance for a Toyota Camry in Massachusetts is pretty simple for most people to do, but it is dependent upon lots of different factors such as the safety rating of your vehicle, your profession, and driving violations. Drivers will pay around $1,248 per year to insure their Camry, but that is an approximation calculated based on a 40-year-old single female driver with full coverage and $100 deductibles.
Most likely you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a slight change in rating factors or requested coverage amount could result in a significant change in how much insurance for a Toyota Camry costs.
Every driver’s needs are different, and that is why the way we recommend to find affordable rates for your Toyota is to compare rates from as many companies as possible. Rate quotes are easy and you will be able to see rates from the best auto insurance companies that insure vehicles in Massachusetts.
The trim level of your Toyota tends to have a direct effect on price, so the price to insure a Camry LE model will be $218 cheaper than the cost to insure the fancier Camry Hybrid version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $276 | $586 | $434 | $26 | $130 | $1,452 | $121 |
| Camry SE | $276 | $692 | $434 | $26 | $130 | $1,558 | $130 |
| Camry XLE | $276 | $692 | $434 | $26 | $130 | $1,558 | $130 |
| Camry Hybrid | $312 | $692 | $490 | $30 | $146 | $1,670 | $139 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in vehicle garaging location which can affect rates greatly.
Insuring your vehicle with a good quality car insurance company is difficult considering how many choices drivers have in Massachusetts. The ranking information displayed below can help you select which coverage providers to look at comparing rate quotes with. The rankings below are only made up of the largest companies in America, so companies that may only write in Massachusetts are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Boston car insurance
Insurers that offer cheap quotes for a Toyota Camry may additionally offer discounts that can reduce rates by 30% or more if you can meet the requirements. A list of companies and their possible discounts can be read below.
- Mercury Insurance offers premium reductions for good student, good driver, accident-free, ease of repair, professional/association, and location of vehicle.
- Farmers Insurance may have discounts that include business and professional, teen driver, good student, mature driver, and bundle discounts.
- Farm Bureau may offer discounts for driver training, safe driver, 55 and retired, multi-policy, good student, youthful driver, and multi-vehicle.
- State Farm discounts include accident-free, Steer Clear safe driver discount, driver’s education, passive restraint, and defensive driving training.
- Allstate may include discounts for safe driver, EZ pay plan discount, multi-policy, premier plus, 55 and retired, and farm vehicle.
- GEICO offers discounts including driver training, federal employee, military active duty, five-year accident-free, good student, and anti-lock brakes.
The illustration below compares auto insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or violations, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, anti-theft, homeowner, multiple policy, claim-free, and passive restraint discounts applied. When discounts are applied, theamount saved on insurance for a Toyota Camry is 28% or $523.
Why are you paying too much to insure your Camry?
Massachusetts insurance rates are determined by lots of factors that control the price of coverage. Simply getting older, buying a home, or having an at-fault accident can trigger changes in premium resulting in some rates now being more affordable than competitors.
In addition, insurance companies amend pricing multiple times each year in order to maintain liquidity for claims. Higher than normal claim frequency or severity may result in high rates, while better underwriting can result in lower-cost Camry insurance rates.
For instance, the chart below shows the companies that have the cheapest car insurance in Boston, MA for a 40-year-old female driver with no violations or accidents, and good credit. When quoting prices based on her current risk factors, State Farm may have the best car insurance rates in Boston at $942 per year. This is $293 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon round out the rest of the best Boston, MA auto insurance companies.
Now let’s give the driver from the first example some claims, slightly worse credit, and a traffic citation. Since each insurance company has their own unique process to establish rates, comparing prices could now result in a different set of affordable Boston car insurance companies as shown below.
Arbella now has the cheapest rate in Boston, MA with USAA, Norfolk and Dedham, Amica, and GEICO completing the list. This example illustrates why it is so important to compare rates to get the most affordable car insurance rates for a Toyota Camry. Auto insurance prices are determined by many things and change dramatically, so the most economical option two years ago may now be quite expensive.