How Much is Car Insurance for a Toyota Camry in Atlanta?

Buying cheaper car insurance for a Toyota Camry in Georgia depends on an enormous amount of factors such as how you use your Camry, the likelihood of your vehicle being stolen, and your policy deductibles. Georgia drivers pay around $986 annually for Camry insurance, but that amount is an estimation based upon a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.

There’s a high likelihood you may not be 40 years old (or even male), possibly single instead of married, or maybe you just want different deductibles. Auto insurance requires individual risk assessment, so the way we recommend to find cheap insurance prices for your Toyota is to just compare rates yourself. Compare rate quotes now and you will receive prices from some of the most affordable companies that sell coverage in Georgia.

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The specific model of Camry can impact the coverage cost, so the cost to insure a Camry LE trim level will be $170 cheaper than the cost to insure the fancier Camry Hybrid version, as shown below.

Toyota Camry Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $224 $380 $406 $24 $122 $1,156 $96
Camry SE $224 $448 $406 $24 $122 $1,224 $102
Camry XLE $224 $448 $406 $24 $122 $1,224 $102
Camry Hybrid $254 $448 $458 $28 $138 $1,326 $111
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle location which can influence premium rates greatly.

How to find a good Atlanta auto insurance company

Choosing the best auto insurance company is difficult considering how many choices drivers have in Georgia. The company information in the next section could help you select which companies you want to consider when shopping car insurance rates for a Toyota Camry.

The rankings below are only made up of companies that write coverage in many states, so companies that focus mainly on Georgia business are not taken into consideration for these rankings. If you wish to compare prices from these and other companies in Georgia, simply click here.

Top 15 Auto Insurance Companies for a Toyota Camry in Georgia
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
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Data Source: Best Car Insurance Companies

Should you buy full coverage?

Reducing premiums for auto insurance should be important to the majority of vehicle owners, and one good way to find cheap insurance for a Toyota Camry is to not buy comprehensive and collision coverage. The chart below illustrates the difference between insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no additional discounts are factored in.

As an overall average, physical damage insurance costs an additional $2,874 per year more than just buying liability only. Lot’s of drivers question when is it safe to stop buying full coverage. There is no definitive formula for dropping physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Insurance rate increases from tickets or accidents

The best way to obtain the cheapest auto insurance prices in Atlanta for a Camry is to drive carefully and not have accidents or get tickets. The illustration below highlights how speeding tickets and at-fault collisions drive up insurance costs for each age group. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance per year with no accidents or violations is $2,208. Get one speeding ticket and the average cost hikes up to $2,568, an increase of $360 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota Camry increases to an average of $3,611. That’s an increase of $1,403, or $117 per month, just for not being a responsible driver!

How to find low-cost auto insurance for a Toyota Camry

Here are some thrifty suggestions that can help you find cheap coverage.

That last tip is certainly necessary, as was discussed in this article. Prices charged by auto insurers in Atlanta can be adjusted at any time, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available. Loyalty to a specific company is fine, but we do not recommend it if that dedication is costing several hundred dollars every year. Take a couple minutes and shop around to find cheaper insurance for a Toyota Camry.

The Atlanta auto insurance agencies shown below can probably help you make a decision which coverage meets your needs best, as lots of drivers aren’t clear which coverage they need and would like to get some guidance when trying to find lower insurance rates for a Camry. It can be difficult to find the cheapest rate yourself, and a professional agent can provide comfort knowing your coverage gives you enough coverage if you have a claim.

To find an auto insurance agency by location nearest to you, click the button link following the list.

View map of Atlanta, GA insurance agents