Who Has Affordable Car Insurance for a Toyota Camry in Omaha?

Finding the cheapest insurance for a Toyota Camry is pretty simple for most people to do, but it is dependent upon a whole bunch of factors such as how long your commute is, your address, and citations on your driving record. Drivers pay approximately $1,103 annually for Camry insurance, but that cost is an approximation based upon a 30-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

Odds are that you may not be 30 years old (or even female), you might be married instead of single, and maybe your Camry is older and does not require full coverage. This example demonstrates why the only real way to find cheap insurance rates for your Toyota is to compare as many rates as you can.

Compare Toyota Camry Insurance Rates

The specific trim level tends to impact the annual cost of coverage, so the price to insure a Camry LE model will be $190 less than the price to insure the higher-end Camry Hybrid model, as shown in the prices below.

Toyota Camry Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $258 $480 $404 $24 $122 $1,288 $107
Camry SE $258 $566 $404 $24 $122 $1,374 $115
Camry XLE $258 $566 $404 $24 $122 $1,374 $115
Camry Hybrid $290 $566 $458 $28 $136 $1,478 $123
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in garaging location in Omaha which can decrease or increase auto insurance rates noticeably.

Omaha car insurance company ratings

Picking the highest-rated auto insurance provider can be rather challenging considering how many different companies insure vehicles in Nebraska. The ranking data in the next section can help you analyze which auto insurance companies you want to consider when trying find the best insurance for a Toyota Camry.

The ratings below are for companies who write in the majority of U.S. states, so companies without a large exposure will not be included in these rankings. To check prices from these top insurers and more, follow this link.

Top 10 Large Auto Insurers in Omaha Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

The chart below demonstrates how choosing different deductibles can change insurance rates when searching for cheap insurance for a Toyota Camry. The data is based on a married male driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could save $282 a year by changing from a $100 deductible up to a $500 deductible, or save $424 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could lower their rates as much as $950 annually just by choosing higher deductibles.

When increasing deductibles, it’s a good idea to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

The benefit of shopping around

Omaha, NE car insurance rates are calculated based on many things which can significantly increase or decrease the policy price. Simply having a birthday, buying another vehicle, or getting a few speeding tickets can cause premium changes that can now make some companies more affordable than the competition. In addition to those changes, companies file new Nebraska car insurance rates as often as every quarter to adjust for gains or losses. Significantly higher claims can result in higher priced premiums, while a lower level of claims can produce cheaper Camry insurance rates.

The data below compares the cheapest car insurance in Omaha, NE for a 30-year-old female driver with no violations or accidents, and a decent credit rating. If we compare prices based on her current rating profile, Safeco might offer the most affordable car insurance rates in Omaha at $923 per year. This is $393 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also included in the top five cheapest Omaha, NE auto insurance companies.

Now let’s give the driver in the first example a couple of claims, bad credit, and a traffic citation. Since each auto insurance company has their own guidelines for determining rates, comparing insurance quotes could now result in a different ranking of affordable companies as shown below.

Nationwide now has the best auto insurance rate in Omaha, NE with State Farm, American National, General Casualty, and USAA completing the list. This example proves why consumers need to take the time to shop around to find the best car insurance rates for a Toyota Camry. Car insurance prices consist of many factors and change dramatically, so the cheapest company the last time you shopped around may now be quite expensive.