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Cheapest 2003 Toyota Camry Car Insurance (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2003 Toyota Camry
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does car insurance cost for a 2003 Toyota Camry

The average cost of car insurance for a 2003 Toyota Camry is $1,152 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2003 Toyota Camry are --
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2003 Toyota Camry, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2003 Toyota Camry car insurance quotes

Thousands of smart Toyota Camry drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $751 per year on car insurance. Below are cheap quotes Jerry found for 2003 Toyota Camry drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
November 8, 2024
Toyota Camry LE
Safeco
$72
• 100,000/300,000 Liability
November 7, 2024
Toyota Camry LE
Progressive
$64
• State Minimum Liability
• Comp / Collision
November 1, 2024
Toyota Camry LE
Bristol West
$112
• No Coverage Liability
October 29, 2024
Travelers
$272
• 50,000/100,000 Liability
• Comp / Collision
October 26, 2024
Toyota Camry LE
Allstate
$69
• State Minimum Liability
coverageLast Updated Nov 8, 2024
However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates.

The best car insurance companies for 2003 Toyota Camry owners

Not all 2003 Toyota Camry owners are the same and neither are their picks for the best car insurance company. Take a moment to consider whether you value customer service, claims experience, or overall score the most, and you’ll have an idea of what to look for.
Similarly, if affordability is your main concern, you might be disappointed to learn that no provider is known for offering the cheapest car insurance to every driver. The lowest-priced option usually only becomes clear after comparing rates from several different companies.
Fortunately, comparing data is what Jerry does best. The table below summarizes the scores top providers received from over 15,000 verified policyholders in Jerry’s national shopping survey.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Average 2003 Toyota Camry insurance costs

After analyzing data from many 2003 Toyota Camry drivers, we discovered that the typical monthly expense for minimum liability coverage is $96, which adds up to $1,152 annually. As for full coverage insurance, the average monthly cost for 2003 Toyota Camry drivers is $178, or $2,136 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$96
$1,152
Full coverage
$178
$2,136
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

2003 Toyota Camry insurance costs by trim level

The cost of car insurance for a 2003 Toyota Camry is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
Car Model & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
2003 LE
$169
$94
2003 Solara SE
$284
$107

How expensive is 2003 Toyota Camry insurance compared to other years?

Generally, old cars have lower insurance costs than new cars due to less expensive technology and widely available parts, which helps lower repair and replacement costs. 
On the other hand, newer car models have the advantage of more assistive driver aids, better anti-theft measures, and higher safety ratings. All three lower your car’s risk of getting stolen or getting into an accident. For instance, while insurance coverage costs about $1,975 per year for a 2005 Toyota Camry, the 2003 model costs about $2,002.
You can compare other years and average insurance premiums for the Toyota Camry using the table below.
CarMinimum CoverageFull Coverage
1993 Toyota Camry
$87
$183
1995 Toyota Camry
$109
$111
1996 Toyota Camry
$96
$108
1997 Toyota Camry
$87
$131
1998 Toyota Camry
$91
$153
1999 Toyota Camry
$96
$104
2000 Toyota Camry
$94
$137
2001 Toyota Camry
$92
$161
2002 Toyota Camry
$105
$154
2003 Toyota Camry
$96
$178
2004 Toyota Camry
$96
$165
2005 Toyota Camry
$100
$157
2006 Toyota Camry
$100
$147
2007 Toyota Camry
$101
$170
2008 Toyota Camry
$94
$176
2009 Toyota Camry
$102
$153
2010 Toyota Camry
$92
$173
2011 Toyota Camry
$97
$162
2012 Toyota Camry
$102
$173
2013 Toyota Camry
$93
$172
2014 Toyota Camry
$98
$190
2015 Toyota Camry
$103
$183
2016 Toyota Camry
$98
$191
2017 Toyota Camry
$101
$183
2018 Toyota Camry
$97
$197
2019 Toyota Camry
$100
$208
2020 Toyota Camry
$107
$210
2021 Toyota Camry
$114
$205
2022 Toyota Camry
$105
$221
2023 Toyota Camry
$134
$252

Are 2003 Toyota Camrys expensive to insure? 

Neither minimum-coverage nor full-coverage insurance is high on a Toyota Camry. On average, you’ll pay about 21% more/less to insure a 2003 Toyota Camry compared to other models with a similar Manufacturer’s Suggested Retail Price (MSRP).
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2003 Buick LeSabre
$72
$139
2003 Ford Expedition
$94
$138
2003 Mini Cooper
$95
$164
2003 Toyota Camry
$96
$178
2003 Jeep Grand Cherokee
$100
$156
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

2003 Toyota Camry
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)
Front Seat
Rear Seat

What other factors affect 2003 Toyota Camry insurance rates?

Car insurance companies consider the following factors when generating quotes: 
  • The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle. 
  • Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety. 
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years. 
  • Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.

2003 Toyota Camry insurance costs for young drivers

Teen drivers
typically pay the most for car insurance on account of their inexperience on the road. These spiked rates can stay on the higher side until a driver is at least 25 years old.
card cover
Lillie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$272
per month
card cover
Scott (24 years old)
coverageCoverage
State Minimum
locationSan Jose, CA
carToyota Camry LE
$65
per month
card cover
Eugene (22 years old)
coverageCoverage
State Minimum
locationSnow Camp, NC
carToyota Camry LE
$169
per month
card cover
Clearcover
Millie (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carToyota Camry LE
$233
per month
card cover
Gainsco
Susie (20 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carToyota Camry LE
$184
per month

2003 Toyota Camry insurance costs for senior drivers

On the whole, senior drivers pay some of the lowest car rates—they’re more established motorists and providers take note of that when determining insurance premium costs.
But that doesn’t necessarily extend to every senior. Insurance costs will actually rise for seniors over the age of 70 on account of increased driver error and the likelihood of more serious injuries in the event of a crash.
card cover
Cynthia (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carToyota Camry LE
$141
per month
card cover
Nina (79 years old)
coverageCoverage
State Minimum
carToyota Camry LE
$64
per month
card cover
Warren (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carToyota Camry LE
$72
per month
card cover
Leila (69 years old)
coverageCoverage
No Coverage
locationDavie, FL
carToyota Camry LE
$132
per month

2003 Toyota Camry insurance cost for drivers with driving violations 

Drivers with recent violations on their record will typically see higher insurance costs. Common violations can range from speeding tickets and driving without insurance to at-fault accidents and DUIs.
Here’s how much real policyholders pay for insurance if they have violations on their record.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Defective Equipment
Toyota Camry LE
Progressive
$71
• State Minimum Liability
Failure to Obey Signal
Toyota Camry LE
Safeco
$117
• State Minimum Liability
Careless Driving
Toyota Camry LE
National General
$107
• State Minimum Liability
Driving on Sus. License
Toyota Camry LE
Progressive
$170
• State Minimum Liability
Failure to Yield
Toyota Camry LE
Mercury
$124
• State Minimum Liability
Improper Passing
Toyota Camry LE
Bristol West
$64
• State Minimum Liability
coverageLast Updated Nov 6, 2024

How can I lower the cost of insurance for my 2003 Toyota Camry?

Smart shopping strategies
and
car insurance discounts
can help you lower the cost of coverage for a 2003 Toyota Camry. Here’s how: 
  • Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.
    Jerry
    makes the comparison process quick and easy!    
  • Use a broker: Unlike captive agents and even most independent agents,
    car insurance brokers
    earn commissions without adding to your insurance costs or pushing you towards a more expensive policy. 
  • Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.
    Home and auto bundles
    save drivers an average of 15% or more! 
  • Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle! 
  • Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.