To give context this car is not for me, its for my girlfriend. She is a newer driver no accidents or tickets anything like that and was looking at buying a 2022 Camry LE. It would need to be covered fully being financed and the quotes we have gotten so far seem a little crazy, USAA gave me 830 and month and progressive did 890 a month.
Is this just the norm? might be our location (Florida). If thats what prices are gonna actually be she is just better off buying a beater car for under 6k.
Any help/recommendations would be helpful thank you.
Insurance costs on a 22 Camry for a newer driver.
byu/KarambaeV2 inInsurance
Posted by KarambaeV2
3 Comments
Toyotas are pricey to insure because the total easily, and they retain their value if you don’t total them.
Have you seen the price for used corollas?
FwIW I was paying 365 a month for a 2020 corolla with 1 rear end total under my belt, 1 weather related total under my belt. (Also ftr, there is another car accident under my belt where I was at fault but it doesn’t show up on any reports per agents I’ve spoken with)
Just got rear ended again and the insurance payment on a 16 rav 4 is 260 a month with the same coverages I had before.
Shoo around. 5-10 quotes. 250/500 or 500 CSL with a 1 or 2M Umbrella if you have kids or risks.
How new of a newer driver is she? Has she had auto insurance before this? A lot of times you’ll get better rates with longer continuous coverage. If she hasn’t had insurance before and she’s a new driver and her first vehicle being a 22 Toyota, I can see it being that high at some places. Also, I’m assuming she’s low/younger 20s? Cause that would also affect it. I would def shop around as much as possible. USAA and progressive might be outliers and you might be able to find something “cheaper” (prob gonna be expensive regardless). Depending on y’all’s budget, might be better to get a beater, get just liability and get some time/experience under her belt and later on down the line, the rates should be better. Good on yall checking the insurance before buying though. Surprisingly, a lot of folks don’t do that and then are stuck paying a premium like you’re being offered lol