Why is auto insurance for a 2025 Camry so high in California?

I’m getting quoted $350 a month for a new 2025 Camry LE. This includes $500 comprehensive, $1,000 collision, and 100/300/100 liability. I’ve been driving for 15 years, no accidents, no tickets, and my yearly commute is about 14,000 miles. I’m insuring three vehicles (two with liability only) for $298 a month, yet this one car costs more than all three combined. What’s going on?

I got quoted close to $275 a month for a Camry in LA. Clean record and similar limits. I was told:

  • Sedans cost more to insure.
  • Hybrids cost more to insure.
  • High theft rates.
  • High accident rates.

It’s frustrating.

@Zia
Is it that Camrys and sedans get into more accidents, or that they take more damage when hit by larger SUVs?

Tim said:
@Zia
Is it that Camrys and sedans get into more accidents, or that they take more damage when hit by larger SUVs?

Probably a mix of both. Whenever you see street takeovers or reckless driving, it’s usually a sedan, not a big family SUV.

@Zia
I agree with most of that, except for sedans being more expensive to insure. In general, they’re cheaper because they cost less to buy and repair. Some luxury sedans might be exceptions.

California, 2025 XSE, 63 years old, clean driving record, $190 a month with State Farm. Not great.

I live in a rural area, not a high-crime location.

Jules said:
California, 2025 XSE, 63 years old, clean driving record, $190 a month with State Farm. Not great.

I live in a rural area, not a high-crime location.

That’s rough, but better than what I pay. I’m at $255 a month.

Jules said:
California, 2025 XSE, 63 years old, clean driving record, $190 a month with State Farm. Not great.

I live in a rural area, not a high-crime location.

I’m 70 and only paying $717 a year.

Jules said:
California, 2025 XSE, 63 years old, clean driving record, $190 a month with State Farm. Not great.

I live in a rural area, not a high-crime location.

I’m 58, live in a small town in Northern California, clean driving record, and don’t drive much because of gas prices. I drive a 2012 Ford Focus. Bicycles get stolen here all the time, but not cars. My insurance just went up from $86 to $96 a month. Feels like I’m being punished for being a good driver.

I wouldn’t get a new car with insurance that high. I have a 2025 Camry, and my total insurance is $960 a year with a $1,000 deductible.

You’re looking at $4,200 a year? That’s crazy.

Dolph said:
I wouldn’t get a new car with insurance that high. I have a 2025 Camry, and my total insurance is $960 a year with a $1,000 deductible.

You’re looking at $4,200 a year? That’s crazy.

Which company are you with?

@Mika
Erie.

Dolph said:
I wouldn’t get a new car with insurance that high. I have a 2025 Camry, and my total insurance is $960 a year with a $1,000 deductible.

You’re looking at $4,200 a year? That’s crazy.

$1,000 deductible? That’s high.

If insurance companies are raising rates for hybrids, the higher premiums and extra fees some states charge could cancel out any savings from better fuel efficiency. That’s frustrating.

From what I’ve read, certain cars cost more to insure. Camrys, Corollas, Civics, and Accords are all popular, which means more claims. Factors like accident rates, mileage, age, and even repair costs matter.

I pay $1,082.80 for six months with a multi-car discount through Geico. Even with that discount, it’s expensive.

@Kiran
Why would race have anything to do with insurance? That doesn’t make sense.

Shay said:
@Kiran
Why would race have anything to do with insurance? That doesn’t make sense.

They use a lot of factors—age, gender, driving history, address, car model, education level, and even job.

Shay said:
@Kiran
Why would race have anything to do with insurance? That doesn’t make sense.

Somehow, race is factored in too. Not sure how that’s even legal.

Shay said:
@Kiran
Why would race have anything to do with insurance? That doesn’t make sense.

I thought race and gender shouldn’t matter, but insurance companies look at everything. I have a 16-year-old about to start driving, and I know my rates will go up.

I’ve been with Allstate since 1979, covering auto, home, life, renters, and boat insurance. Over the years, I’ve likely paid more than $250,000 in premiums. So, I was caught off guard in March when my renewal came up with a significant rate increase.

I do have two tickets on my record—one for speeding from two years ago and another for tailgating last year. These stay on record for 3.5 years. Even so, my auto premium for a single car (a 2023 Camry TRD with full coverage) jumped from $254 per month to $919 per month.

I checked with the underwriter, and this is apparently the standard rate for my situation. I tried getting a quote from The General but had no luck. I nearly completed the process with Progressive until the underwriter (Lexus/Nexis) declined me. Even Allstate confirmed that if I were a new customer, they wouldn’t offer me a policy.

I still have a few more options to explore, but if those don’t work out, I’ll be stuck with this high rate for another year.