What Insurance is Cheapest for a Toyota Camry in Fort Wayne?

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Toyota Camry insurance
Toyota Camry insurance image courtesy of QuoteInspector.com

Finding affordable auto insurance for a Toyota Camry in Indiana is normally pretty easy, but it hinges on a complicated formula that considers factors such as your birth date, your credit rating, and any prior driving offenses. Drivers will pay on average $724 per year to insure their Camry, but that is an approximation based upon a 30-year-old married female driver with full physical damage coverage and $500 deductibles.

But there is a good chance that you are not 30 and maybe not even a female, you might be single instead of married, or maybe you're a renter instead of a homeowner. Auto insurance is unique to each driver, so the best way to find cheap car insurance rates for your Toyota is to compare as many rates as possible. In just a couple of minutes you can get prices from top-rated car insurance companies that sell coverage in Indiana.

Insure Your Toyota for Less

The specific trim level impacts the yearly cost, so the price you pay to insure a Camry LE will be $126 lower than the price to insure the higher-end Camry Hybrid version, as shown by the rates below.

Toyota Camry Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $172 $288 $286 $16 $86 $848 $71
Camry SE $172 $340 $286 $16 $86 $900 $75
Camry XLE $172 $340 $286 $16 $86 $900 $75
Camry Hybrid $194 $340 $324 $20 $96 $974 $81
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in vehicle garaging location which can revise premium rates substantially.

Figuring out which company has the most affordable car insurance rates for a Toyota Camry may require a tad more effort in order to find the best price. Each company has their own formula to set premium rates, so we'll take a look at the car insurance companies with the overall best prices in Fort Wayne, IN.

It's important that you understand Fort Wayne, IN car insurance rates are influenced by many factors that will increase or decrease the cost of coverage. Getting older, having a teenage driver, or getting a speeding ticket can produce rate changes that can make some companies cheaper than competitors.

Best Auto Insurance Prices for Your Camry

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Cheapest Indiana auto insurance companies
Rank Company Cost Per Year
1 Travelers $620
2 USAA $667
3 Cincinnati Insurance $684
4 Erie $705
5 Western Reserve $838
6 Indiana Farmers Mutual $841
7 Auto-Owners $879
8 The Hartford $881
9 Nationwide $930
10 State Farm $957
11 Utica National $965
12 Hastings Mutual $973
13 Motorists Mutual $996
14 Safeco $1,013
15 Farmers $1,064
16 Wolverine Mutual $1,072
17 State Auto $1,087
18 Westfield $1,094
19 GEICO $1,122
20 Progressive $1,128
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Travelers quotes some of the cheapest car insurance rates in Fort Wayne at around $620 a year. This is $620 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are also some of the cheapest Fort Wayne, IN car insurance companies.

As shown above, if you buy coverage from Western Reserve and switched to USAA, you could realize a yearly price reduction of about $171. Insureds with Indiana Farmers Mutual could save as much as $174 a year, and Auto-Owners policyholders might lower prices by up to $212 a year.

To see if you're overpaying, click here or visit any of the low-priced companies below.

Understand that those prices are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact location for a Toyota Camry. So the auto insurance company that fits your age and vehicle best may not even be in the top 36 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.

Responsible drivers pay cheaper car insurance rates

The easiest way to receive the cheapest car insurance prices in Fort Wayne for a Camry is to drive carefully and avoid accidents and violations. The chart below illustrates how speeding tickets and at-fault accidents influence auto insurance costs for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,358. Receive two speeding tickets and the average cost surges to $1,864, an increase of $506 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Camry jumps again to an average of $3,965. That's an increase of $2,607, or $217 per month, just for not being attentive to the road!

Here's why you should shop around

Fort Wayne car insurance rates are calculated based on many things that may substantially change the price you have to pay. Getting older, getting married, or getting a speeding ticket can trigger rate changes resulting in some companies being cheaper than competitors. Not only may your situation change, but car insurance companies modify pricing without warning to help ensure profitability. Unexpectedly high claims may result in a rate increase, while a profitable period can cause cheaper Camry insurance rates.

For instance, the bar chart below shows which companies have the cheapest car insurance in Fort Wayne, IN for a 30-year-old female driver with no violations or accidents, and a good credit rating. If we compare prices based on her current risk factors, Travelers has the cheapest car insurance rates in Fort Wayne at $634 each year. This is $606 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual round out the rest of the top five cheapest Fort Wayne, IN auto insurance companies.

Now let's give the driver from the first example an at-fault accident, a lower credit rating, and a few blemishes on her driving record. Because each company has a unique approach to establish rates, comparing rates could now result in a different set of affordable companies as shown below.

The Hartford now has the best price in Fort Wayne with Auto-Owners, Utica National, Cincinnati Insurance, and Motorists Mutual now being in the top five. This example demonstrates why consumers need to compare many different companies to find the most affordable insurance quotes for a Toyota Camry. Insurance rates can be altered by many things and change substantially, so the most economical company six months ago may now be quite expensive.

The agents shown below can most likely help you make a decision which coverage fits your budget, as some drivers have questions and prefer to have professional advice when shopping for the best coverage for a Camry. It can be complicated to find the cheapest car insurance policy, so insurance agents licensed in the state of Indiana can bring peace of mind knowing your policy gives you enough protection. To find an auto insurance agency close to where you live, click the link at the bottom or click here to get price quotes now.

Synergy Financial Group
9326 Coldwater Rd - Fort Wayne, IN 46825 - (260) 490-8822

Kent Paul - State Farm Insurance Agent
1505 W Dupont Rd - Fort Wayne, IN 46825 - (260) 478-2222

Hupe Insurance Services
7011 Stellhorn Rd - Fort Wayne, IN 46815 - (800) 701-5909

Wise Insurance Agency
7410 Bluffton Rd - Fort Wayne, IN 46809 - (260) 747-5373

View map of Fort Wayne, IN insurance agents