Who Has Cheap Auto Insurance for a Toyota Camry in Honolulu?

Buying the cheapest auto insurance for a Toyota Camry in Hawaii depends on an enormous amount of factors such as how you use your vehicle, your claims history, and driving citations. Hawaii drivers will pay around $901 annually to insure their Camry, but that price is a projection calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

But there is a good chance that you are not 40 years old and maybe not even female, married instead of single, and you don’t want the same coverages and limits as the example. Even a slight difference in rating criteria or coverage limits may result in significant differences in the cost of insurance for a Toyota Camry.

This shows why the best method for finding the most affordable coverage for your Toyota is to put in the effort to do a thorough rate comparison. Comparing quotes is easy and you will be able to see rates from the best companies around.

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The trim level of your Toyota can impact the yearly cost, so the price you will be charged to insure a Camry LE model will cost $154 less than the price to insure the more expensive Camry Hybrid model, as shown in the prices below.

Toyota Camry Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $196 $390 $344 $20 $104 $1,054 $88
Camry SE $196 $458 $344 $20 $104 $1,122 $94
Camry XLE $196 $458 $344 $20 $104 $1,122 $94
Camry Hybrid $222 $458 $388 $24 $116 $1,208 $101
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific location information which can increase or decrease prices substantially.

Picking the highest-rated car insurance company can be difficult considering how many choices drivers have in Honolulu. The company ratings in the next section may help you analyze which auto insurers to look at putting your business with.

The rankings below include companies with a national presence, so companies without a large exposure are not taken into consideration for the list. To compare rates from these top-rated insurers and more, simply click here.

Best Car Insurance Companies for a Toyota Camry in Honolulu
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Liability rates compared to full coverage

Reducing premiums for car insurance is important to the majority of drivers, and one common way to reduce the cost of insurance for a Toyota Camry is to only pay for liability coverage. The information below illustrates the comparison of annual premium costs with and without physical damage coverage. The data is based on no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

As an overall average, physical damage coverage on your policy costs $1,392 per year over liability only. Many of you may wonder when is it a good idea to stop buying full coverage. There isn’t a written rule to delete physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

The information below shows how choosing a deductible can influence insurance costs when searching for cheap insurance for a Toyota Camry. The rates are based on a single female driver, full coverage, and no discounts are applied to the premium.

The data above shows that a 30-year-old driver could lower their policy premium by $288 a year by increasing from a $100 deductible to a $500 deductible, or save $434 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could shave $640 every year by choosing larger deductibles on their policy.

When choosing a higher deductible, it will be important to have additional savings on hand to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Ideas for finding cheaper insurance for a Toyota Camry

The list below details some money-saving solutions that can help drivers find cheaper coverage.

The last tip in the list is particularly valuable, as we stressed in this write-up. Car insurance prices can change in a short period of time, so drivers shouldn’t be reluctant to change insurance companies if a better deal can be had.

Brand loyalty is not necessarily bad, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. Now is a great time to compare prices to find cheaper auto insurance for a Toyota Camry in Honolulu.

If you wish to have a professional recommendation when trying to find lower insurance rates for a Camry, the insurance agencies listed below are willing to help you make a decision which car insurance company is the best fit.

To locate a Honolulu car insurance agency by location nearest to you, click the button following the list.

Cynthia Leiko Frost – State Farm Insurance Agent
2038 S King StHonolulu, HI 96826(808) 952-5353

Farmers Insurance Hawaii
Six Waterfront Plaza 3rd Floor, 500 Ala Moana BlvdHonolulu, HI 96813(808) 533-2444

Dean Nomura – State Farm Insurance Agent
1215 Hunakai St #203Honolulu, HI 96816(808) 737-5662

More insurance agents in Honolulu, HI