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Jerry Data & Research
Cheapest 2016 Toyota Camry Car Insurance (May 2024)
Cheapest 2016 Toyota Camry Car Insurance (May 2024)
Compare car insurance quotes from dozens of trusted providers—like GEICO, State Farm, Liberty Mutual, and Allstate—with Jerry to secure the cheapest rates for your 2016 Toyota Camry.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2016 Toyota Camry ?
- Compare the cheapest 2016 Toyota Camry car insurance quotes
- The best car insurance companies for 2016 Toyota Camry owners
- How expensive is 2016 Toyota Camry insurance compared to other years?
- Are 2016 Toyota Camrys expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2016 Toyota Camry ?
On average, it costs $1,330 every year for state minimum liability insurance on a 2016 Toyota Camry. Compared to other models in a similar price range, it costs motorists slightly more to insure a Camry.
Car insurance
is ultimately based on a multitude of common factors, such as a car make, model, its safety features, and a driver’s profile. To find the best rates for you, use Jerry
to nab a detailed car insurance price comparison
.Compare the cheapest 2016 Toyota Camry car insurance quotes
Toyota Camry drivers use Jerry to find the cheapest car insurance rates—and the average Jerry user saves $2,315 every year on their Camry insurance. Below are some real free quotes the app found for policyholders.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 27, 2024 | National General | $328 | Donald, 23 | • 50,000/100,000 Liability | |
April 22, 2024 | Mercury | $146 | Bernard, 28 | • 100,000/300,000 Liability • Comp / Collision | |
April 19, 2024 | Travelers | $101 | Eliza, 32 | • 100,000/300,000 Liability • Comp / Collision | |
April 14, 2024 | Gainsco | $153 | Theresa, 44 | • State Minimum Liability • Comp / Collision | |
April 13, 2024 | Progressive | $238 | Amanda, 28 | • No Coverage Liability • Comp / Collision |
Last Updated Apr 27, 2024Because car insurance quotes can vary so wildly on account of multiple factors, the best way to lock in rates that make the most sense for you is to compare at least three
quotes
from different auto insurance companies.The best car insurance companies for 2016 Toyota Camry owners
Auto insurance rates are ultimately determined by a number of highly individualized factors, and providers each have their own methodology
to calculate
final premium costs. What this means for drivers is that there isn’t one insurance provider out there who will offer the best rates to everyone. However, Jerry has conducted the largest insurance shopping survey in the nation to figure out what real Toyota Camry policyholders think about their insurance providers—not just in terms of cost, but customer service as well.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2016 Toyota Camry insurance costs
The average cost of minimum liability coverage for a 2016 Toyota Camry is $111 every month, or $1,330 annually. If you’re looking to upgrade to full coverage, the cost increases to $255 per month, or $3,067 annually.
Insurance level | Average monthly cost | Average annual cost |
|---|---|---|
State minimum coverage | $111 | $1,330 |
Full coverage | $255 | $3,067 |
State minimum insurance
is simply the law-mandated coverage amount set in place by an individual state. It typically includes bodily injury liability insurance and property damage liability coverage, and in some states motorists are required to also carry uninsured/underinsured motorist coverage
and/or personal injury protection
before hitting the road.On the other hand, if you’re looking for more protection, full coverage is the way to go. It includes
collision coverage
and comprehensive coverage
, which are not required by law but will protect you against vandalism, severe weather, and theft.Compare insurance information for other Toyotas
2016 Toyota Camry insurance costs by trim level
The cost of car insurance can also come down to trim level because upper trims tend to come with more safety features or luxurious upgrades, both of which can increase MSRP, vehicle repair costs, and, thereby, insurance rates.
Car Model & Trim | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|
$3,208 | $1,246 | |
2016 | $2,773 | $1,410 |
2016 | $3,220 | $1,335 |
How expensive is 2016 Toyota Camry insurance compared to other years?
Given that newer vehicle models tend to have better safety features and upgraded technology, a new version is typically more expensive to insure than an older vehicle model. The reason for this is while upgraded safety features and technology offer more peace of mind, their repair costs tend to be higher, which affects insurance costs.
The below table displays average insurance costs of a 2016 Toyota Camry compared to other model years.
| Car | Minimum Coverage | Full 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 2016 Toyota Camrys expensive to insure?
Compared to other models in a similar price range, a 2016 Toyota Camry is slightly more expensive to insure.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2016 Ford Fiesta | $92 | $184 |
2016 Mini Cooper | $93 | $168 |
2016 Jeep Grand Cherokee | $96 | $152 |
2016 Toyota Camry | $98 | $191 |
2016 Buick Regal | $103 | $183 |
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.
| Rating Type | Rating |
|---|---|
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 2016 Toyota Camry insurance rates?
When providers determine insurance rates, here are a few common factors they consider:
- Vehicle make: When you drive a luxury, sports, or high-performance vehicle, the average cost of full coverage car insurance is usually higher.
- Age: Teen drivers and senior motorists tend to pay the most for car insurance as providers consider them higher risks on the road.
- Your driving history: If you have recent violations or claims on your record, insurance companies take note and tend to charge more for coverage.
- Vehicle storage: If you keep your vehicle in an area with higher auto theft or car accident rates, you may see a higher insurance cost.
- Credit score. With the exception of four states, credit scores are taken into consideration by providers, and policyholders with good credit typically see the cheapest insurance.
2016 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.
Abbie (24 years old)
$110
per month
Gussie (21 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$360
per month
Todd (23 years old)
$328
per month
Evelyn (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$340
per month
2016 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.
Thomas (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$330
per month
Mabel (78 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$64
per month
2016 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.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $147 | Winnie, 27 | • State Minimum Liability | |
Defective Equipment | Safeco | $146 | Jessie, 28 | • 100,000/300,000 Liability | |
Failure to Yield | AAA | $360 | Mayme, 21 | • 30,000/60,000 Liability • Comp / Collision | |
Cell Phone | National General | $106 | Wesley, 34 Gales Ferry, CT | • State Minimum Liability | |
Careless Driving | Mercury | $92 | Hattie, 27 | • State Minimum Liability | |
Driving on Sus. License | Progressive | $235 | Floyd, 23 | • No Coverage Liability • Comp / Collision | |
Failure to Stop | Travelers | $189 | Olive, 26 | • 50,000/100,000 Liability • Comp / Collision | |
Improper Passing | Bristol West | $185 | Ruby, 27 Paisley, FL | • State Minimum Liability |
Last Updated May 1, 2024How can I lower the cost of insurance for my 2016 Toyota Camry?
- Compare quotes: In order to determine the best rates for you, it’s important to compare quotes from at least three different insurance providers.
- Use a broker.Car insurance brokersearn a commission without trying to upsell you on coverage options or coercing you into a more expensive insurance policy.
- Bundle your policies. Most insurance providers offer policyholders a discount forbundlingtheir homeowner or renters insurance with their auto policy.
- Look into discounts. Many top providers have discounts in place, sometimes for doing very little! Some popular discounts include use of telematics, using autopay, signing documents online, or going paperless.
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
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
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.
