Cheap Toyota Celica Car Insurance in 2024 (Find Savings With These 10 Companies)
State Farm, Progressive, and Farmers offer the best rates for cheap Toyota Celica car insurance, starting at $45 monthly. Discover why these providers lead with cost-effective options for your Toyota Celica, combining low rates with high-quality coverage and customer service.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Jul 20, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Min. Coverage for Toyota Celica
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Min. Coverage for Toyota Celica
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
2,903 reviewsCompany Facts
Min. Coverage for Toyota Celica
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviews
These companies excel due to their comprehensive policies tailored to meet the specific needs of Toyota Celica owners. Factors affecting your premium include your driving history, vehicle model year, and regional risk factors such as crime rates and traffic conditions.
Our Top 10 Company Picks: Cheap Toyota Celica Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $45 B Customer Service State Farm
#2 $48 A+ Qualifying Coverage Progressive
#3 $50 A Group Discounts Farmers
#4 $52 A Costco Members American Family
#5 $55 A+ Widespread Availability Nationwide
#6 $58 A++ Reliability Focused Auto-Owners
#7 $60 A+ Infrequent Drivers Allstate
#8 $62 A+ Tailored Policies The Hartford
#9 $65 A++ Unique Coverage Travelers
#10 $68 A 24/7 Support Liberty Mutual
By comparing quotes from these leading providers, you can secure the most affordable and effective insurance for your Toyota Celica. Unlock details in our article titled “Toyota Car Insurance Discount.”
You can find the cheapest insurance coverage tailored to your needs by entering your ZIP code above.
- State Farm offers the most competitive rates for Toyota Celica insurance
- Coverage options cater specifically to the unique safety features of the Toyota Celica
- Insurance premiums reflect the model and year of your Toyota Celica
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies for Toyota Celica owners.
- High Low-Mileage Discount: State Farm provides a substantial discount for Toyota Celica owners who drive fewer miles. Discover more about offerings in our article titled “State Farm Insurance Review & Ratings.”
- Wide Coverage: State Farm offers various coverage options tailored specifically for the unique needs of Toyota Celica owners.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is lower for Toyota Celica compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain Toyota Celica coverage levels.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Customizable Policies: Progressive allows Toyota Celica owners to customize their policies extensively, ensuring precise coverage.
- Loyalty Rewards: Progressive offers loyalty rewards that increase over time for continuous Toyota Celica policyholders. Read up on the “Progressive Insurance Review & Ratings” for more information.
- Competitive Rates for Safe Drivers: Progressive provides competitive rates for Toyota Celica owners with clean driving records.
Cons
- Variable Customer Service: Progressive’s customer service quality may vary significantly for Toyota Celica owners across different regions.
- Higher Rates for High-Risk Drivers: Toyota Celica owners with past incidents may face substantially higher rates at Progressive.
#3 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers offers attractive group discounts that benefit Toyota Celica owners in affiliated programs or professions.
- Flexible Coverage Options: Farmers provides a variety of coverage choices that cater to the diverse needs of Toyota Celica owners.
- Deductible Rewards: Farmers offers deductible rewards that decrease annually for Toyota Celica owners without claims. Discover insights in our article titled “Farmers Insurance Review & Ratings.”
Cons
- Higher Base Rates: Farmers tends to have higher base rates for Toyota Celica insurance, which might not be offset by discounts.
- Less Competitive for Young Drivers: Young Toyota Celica owners might find Farmers’ rates less competitive compared to other providers.
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#4 – American Family: Best for Costco Members
Pros
- Exclusive Discounts for Costco Members: American Family offers exclusive discounts for Costco members who own a Toyota Celica.
- Accident Forgiveness: American Family provides accident forgiveness programs that can benefit Toyota Celica owners by preventing premium spikes after the first at-fault accident.
- Enhanced Coverage Options: Additional coverages like gap insurance and new car replacement are available for Toyota Celica owners. Access comprehensive insights into our article titled “American Family Insurance Review & Ratings.”
Cons
- Availability Limited to Costco Members: The best rates and discounts for Toyota Celica insurance are primarily available to Costco members, limiting broader accessibility.
- Mixed Customer Service Reviews: Some Toyota Celica owners may experience inconsistent customer service, impacting overall satisfaction.
#5 – Nationwide: Best for Widespread Availability
Pros
- Broad Accessibility: Nationwide offers Toyota Celica insurance across a wide geographical area, enhancing accessibility for many owners.
- Vanishing Deductible: Nationwide rewards Toyota Celica owners with a deductible that reduces for every year of safe driving. More information is available about this provider in our article titled “Nationwide Insurance Review & Ratings.”
- SmartRide Discount: Toyota Celica owners participating in Nationwide’s SmartRide program can receive discounts for safe driving habits.
Cons
- Variable Pricing: Nationwide’s pricing can vary widely for Toyota Celica insurance, depending on the state and individual driving records.
- Standardization Issues: Some Toyota Celica owners might find the coverage options too standardized, lacking flexibility for unique needs.
#6 – Auto-Owners: Best for Reliability Focused
Pros
- High Reliability Ratings: Auto-Owners is known for its high reliability and customer satisfaction, ideal for Toyota Celica owners looking for dependable coverage.
- Multiple Policy Discounts: Significant discounts are available for Toyota Celica owners who bundle different types of insurance policies. Learn more about what we offer in our article titled “Auto-Owners Insurance Review & Ratings.”
- Personalized Agent Service: Each Toyota Celica owner receives personalized service from dedicated agents, enhancing the insurance experience.
Cons
- Limited Online Tools: Auto-Owners provides fewer online tools and resources for managing Toyota Celica insurance policies, which might not suit tech-savvy owners.
- Geographical Limitations: Auto-Owners is not available in all states, limiting options for some Toyota Celica owners seeking their services.
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#7 – Allstate: Best for Infrequent Drivers
Pros
- Discounts for Low Mileage: Allstate offers substantial discounts for Toyota Celica owners who drive infrequently, reducing insurance costs.
- Safe Driving Bonuses: Toyota Celica drivers with no at-fault accidents can earn bonuses and premium reductions from Allstate. See more details on our article titled “Allstate Insurance Review & Ratings.”
- Custom Equipment Coverage: Allstate provides coverage for custom parts and equipment installed in Toyota Celicas, appealing to enthusiasts.
Cons
- Premium Variability: Allstate’s premiums can vary significantly for Toyota Celica insurance, influenced heavily by driving habits and history.
- Higher Rates for High-Risk Profiles: Toyota Celica owners with previous claims or violations may find Allstate’s rates less competitive.
#8 – The Hartford: Best for Tailored Policies
Pros
- Tailored Insurance Solutions: The Hartford offers specialized policy customization for Toyota Celica owners, ensuring a perfect fit for their coverage needs.
- Age Advantage: As mentioned in our The Hartford insurance review & ratings, The Hartford provides exceptional benefits and discounts to senior Toyota Celica owners.
- Recovery Services: Enhanced recovery services are available, aiding Toyota Celica owners in the event of theft or significant damage.
Cons
- Age-Specific Benefits: While advantageous for older Toyota Celica owners, younger drivers may not find as much value in The Hartford’s offerings.
- Higher Costs for Comprehensive Plans: Comprehensive coverage plans for Toyota Celicas at The Hartford may come at a higher price point compared to basic coverage.
#9 – Travelers: Best for Unique Coverage
Pros
- Innovative Coverage Options: Travelers offers innovative insurance solutions like accident forgiveness and new car replacement for Toyota Celica owners.
- Green Car Discount: Toyota Celica owners with hybrid or electric models can benefit from Travelers’ green car discount. Delve into our evaluation of our article titled “Travelers Insurance Review & Ratings.”
- Gap Insurance Availability: Travelers provides gap insurance, which is beneficial for Toyota Celica owners who finance or lease their vehicles.
Cons
- Complex Policy Structures: Some Toyota Celica owners may find Travelers’ policy structures complex and difficult to understand.
- Cost-Efficiency Concerns: While offering unique coverages, Travelers may not always provide the most cost-effective options for all Toyota Celica owners.
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#10 – Liberty Mutual: Best for 24/7 Support
Pros
- Round-the-Clock Customer Support: Liberty Mutual offers 24/7 customer support, beneficial for Toyota Celica owners needing assistance at any time.
- Customization Options: Extensive customization options for Toyota Celica insurance policies allow owners to tailor coverage as needed. If you want to learn more about the company, head to our article titled “Liberty Mutual Review & Ratings.”
- Accident Forgiveness: Liberty Mutual includes accident forgiveness policies, which can prevent rate increases after the first at-fault accident for eligible Toyota Celica owners.
Cons
- Higher Premiums for Certain Profiles: Some Toyota Celica owners, especially those with less-than-perfect driving records, may face higher premiums at Liberty Mutual.
- Inconsistent Local Agent Experience: The experience with local agents can vary, potentially affecting the overall satisfaction for some Toyota Celica owners seeking personalized service.
Comparative Monthly Rates for Toyota Celica: Minimum vs. Full Coverage
When selecting an insurance policy for a Toyota Celica, it’s crucial to understand how monthly rates vary depending on the level of coverage and the insurance provider. This insight helps in making an informed decision that aligns cost with coverage needs.
Toyota Celica Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $60 $115
American Family $52 $105
Auto-Owners $58 $112
Farmers $51 $102
Liberty Mutual $69 $125
Nationwide $54 $108
Progressive $48 $99
State Farm $45 $95
The Hartford $62 $118
Travelers $67 $120
The table provided offers a detailed comparison of monthly rates from various insurers for both minimum and full coverage options. For minimum coverage, State Farm presents the most economical option at $45, while Liberty Mutual quotes the highest at $69. Conversely, for full coverage, Progressive offers the lowest rate at $99, indicating a viable option for those seeking comprehensive protection at a competitive price.
On the higher end, Liberty Mutual again stands out with the top rate of $125 for full coverage. These figures demonstrate a significant range in pricing, highlighting the importance of thorough comparison shopping to find the best rate for your coverage requirements. See our guide titled “How do I add or remove drivers from my Liberty Mutual car insurance policy?” to determine if this provider suits your needs.
Factors That Affect the Cost of Toyota Celica Car Insurance
Several factors influence the insurance cost for your Toyota Celica, including the model year and specific features. Newer models generally incur higher rates due to their value and repair costs. Engine size, safety features, and theft deterrent systems also affect premiums as insurers evaluate these aspects to determine the associated risk.
Your personal driving history, including age, experience, and any past violations or accidents, significantly impacts your insurance premium. Young or inexperienced drivers typically face higher premiums due to a greater likelihood of accidents. A history of incidents can also classify you as high-risk, raising your insurance costs. Thus, a clean driving record is crucial for affordable Toyota Celica insurance.
Furthermore, your location can impact the cost of insuring your Toyota Celica. Insurance companies consider factors such as the crime rate and accident frequency in your area. If you live in an urban area with a higher crime rate or greater accident risks, your insurance premium may be higher compared to a driver living in a safer neighborhood.
Moreover, your annual mileage can also affect the cost of your Toyota Celica car insurance. Insurance companies consider your annual mileage; more miles increase accident risk and can raise premiums, especially for those with long commutes or frequent road trips. Discover insights in our article titled “Mileage-Based Car Insurance: A Complete Guide.”
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Understanding the Insurance Groups for Toyota Celica
When insuring your Toyota Celica, you will often come across the concept of insurance groups. Insurance groups are a classification system used by insurance companies to assess the risk associated with insuring a particular vehicle. They range from group 1 (low risk) to group 50 (high risk). The Toyota Celica can fall into different insurance groups depending on various factors such as the model, engine size, and trim level.
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Generally, the higher the insurance group, the more expensive your insurance premium will be. Therefore, it’s crucial to be aware of the insurance group your Celica falls into when estimating the potential cost of your insurance coverage. Factors influencing a Toyota Celica’s insurance group include safety features, repair costs, and theft rates. Learn more in our guide titled “Types of Car Insurance Coverage.”
Vehicles with advanced safety features such as anti-lock brakes, airbags, and stability control systems are often considered lower risk and may fall into lower insurance groups. Models with higher repair or theft rates often fall into higher insurance groups. Since these groups can vary among providers, comparing quotes from multiple companies is crucial to secure the best coverage and premium for your Toyota Celica.
Tips for Finding Affordable Car Insurance for Your Toyota Celica
Now that we’ve looked at what influences the cost of Toyota Celica car insurance, here are some strategies to find more affordable coverage. Start by shopping around and comparing quotes from various insurance providers, as each has unique underwriting criteria and pricing models. This can help you secure the best deal possible.
Another approach is to increase your deductible; this will lower your premiums, but make sure you can handle the higher out-of-pocket costs in case of a claim. Additionally, maintaining an excellent credit score can also reduce your insurance costs, as insurers often view your credit history as an indicator of risk. Discover insights in our guide titled “How does the insurance company determine my premium?”
Furthermore, explore the various discounts offered by insurers, such as good driver discounts, multi-policy discounts, and discounts for safety features, which can all help lower your costs on Toyota Celica car insurance. Consider bundling your car insurance with other types of policies, like homeowners or renters insurance, to capitalize on bundling discounts.
Lastly, look into usage-based insurance programs that adjust premiums based on your actual driving habits. This can be particularly advantageous if you are a safe driver who doesn’t frequently use your car. By applying these tips and doing thorough research, you can significantly improve your chances of obtaining affordable, yet adequate, car insurance for your Toyota Celica.
Comparing Car Insurance Quotes for Toyota Celica: What to Consider
When comparing car insurance quotes for your Toyota Celica, it’s essential to consider more than just the price. While finding affordable coverage is certainly important, it’s equally crucial to assess the coverage options and limits offered by each provider. The cheapest policy may not offer adequate protection. Review coverage details and terms to ensure a good balance of price and protection for your needs.
Another important factor to consider when comparing car insurance quotes for your Toyota Celica is the reputation and customer service of the insurance provider. Researching and reading reviews can reveal each company’s track record in handling claims and supporting policyholders. A reliable and responsive insurance company significantly enhances your overall car insurance experience and satisfaction.
In addition to coverage options and customer service, consider any additional benefits or discounts offered by each insurance provider. Some companies offer extras like roadside assistance, rental car coverage, or discounts for safe driving and multiple policies. These perks enhance your car insurance value and can save money long-term. Always inquire about available discounts or benefits when comparing quotes and coverage.
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Case Studies: Best Car Insurance for Toyota Celica Owners
Choosing the right car insurance for a Toyota Celica involves considering coverage options, cost efficiency, and provider reliability. The following case studies are based on real-world scenarios illustrating how State Farm, Progressive, and Farmers meet the needs of Toyota Celica owners effectively.
- Case Study #1 – State Farm’s Comprehensive Coverage: John, a Toyota Celica owner, was involved in a multi-car accident on a busy highway. Thanks to State Farm’s efficient claim processing and comprehensive coverage, his repair costs were covered quickly, and he was back on the road with minimal hassle.
- Case Study #2 – Progressive’s Customizable Policies: Sarah customized her insurance policy with Progressive to include specific add-ons for her Toyota Celica, such as collision and comprehensive coverage. When her car was vandalized, Progressive’s tailored policy covered all the repairs, proving the value of personalized insurance solutions.
- Case Study #3 – Farmers’ Group Discount Advantage: Alex, a member of a professional association, took advantage of Farmers’ group discounts for his Toyota Celica. This not only lowered his monthly premiums but also enhanced his coverage, making it an economically smart choice for comprehensive protection.
These scenarios underscore the critical importance of carefully choosing car insurance that not only meets individual needs but also complements the specific features of the Toyota Celica.
Melanie Musson Published Insurance Expert
By choosing the right insurance, Toyota Celica owners gain peace of mind and robust financial protection, ensuring comprehensive coverage against risks and damages. This alignment maximizes coverage effectiveness and secures their vehicle investment. Access comprehensive insights into our guide titled “Lesser Known Car Insurance Discounts.”
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Frequently Asked Questions
What factors affect the cost of Toyota Celica car insurance?
The cost of Toyota Celica car insurance can be influenced by factors such as the driver’s age, location, driving history, coverage limits, deductibles, and the insurance provider’s rates.
For a comprehensive overview, explore our detailed resource titled “Best Car Insurance for College Students.”
Are Toyota Celica car insurance rates higher for younger drivers?
Yes, typically car insurance rates for younger drivers are higher due to their lack of driving experience and statistically higher risk of accidents.
Does the location where I live affect Toyota Celica car insurance prices?
Yes, the location where you live can impact the cost of Toyota Celica car insurance. Areas with higher crime rates or higher instances of accidents may have higher insurance rates.
Can I lower the cost of Toyota Celica car insurance?
Yes, there are several ways to potentially lower the cost of Toyota Celica car insurance. These include maintaining a clean driving record, choosing higher deductibles, bundling insurance policies, and taking advantage of available discounts.
What are some common discounts available for Toyota Celica car insurance?
Common discounts that may be available for Toyota Celica car insurance include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features installed in the vehicle.
To gain profound insights, consult our extensive guide titled “Good Student Car Insurance Discount.”
Do different insurance providers offer different rates for Toyota Celica car insurance?
Yes, insurance providers can have different rates for Toyota Celica car insurance. It is recommended to compare quotes from multiple insurance companies to find the best rate for your specific circumstances.
Is comprehensive coverage necessary for Toyota Celica car insurance?
It depends on factors like your car’s value, location, and usage. Comprehensive coverage is advisable if your Celica is newer, highly valued, or if you live in an area prone to theft or severe weather. It’s often required by lenders for financed or leased vehicles. Though not mandatory, it provides essential protection for your investment.
What insurance group does a Toyota Celica fall into?
The insurance group for a Toyota Celica can vary but generally ranges from group 13 to group 29, depending on the model year and specific trim level. Factors like safety features, repair costs, and theft rates influence the group classification.
What state has the worst Toyota Celica car insurance rates?
States with high accident rates and insurance claims, like Michigan and Louisiana, often have the highest Toyota Celica insurance rates.
Continue reading our full “Best Car Insurance in Your State” guide for extra tips.
Are Toyota Celica expensive to insure?
Toyota Celica insurance costs vary based on factors like model year and driver history, but they are generally affordable.
Who is known for cheapest Toyota Celica car insurance?
State Farm is known for offering some of the cheapest Toyota Celica car insurance rates.
Searching for more affordable premiums? Insert your ZIP code below to get started on finding the right provider for you and your budget.
What type of Toyota Celica car insurance is cheapest?
Minimum liability insurance is typically the cheapest form of Toyota Celica car insurance.
Who is cheaper for Toyota Celica, Geico or Progressive?
Progressive often offers cheaper rates for Toyota Celica compared to Geico, depending on the driver’s profile and location.
Expand your understanding with our thorough “How can I pay my Geico insurance premium?” overview.
Why is my Toyota Celica car insurance so low?
Your Toyota Celica car insurance might be low due to factors like a good driving record, low annual mileage, or qualifying for multiple discounts.
Which car insurance group is the cheapest for Toyota Celica?
Lower insurance groups, which assess lower risk and potential repair costs, are usually the cheapest for insuring a Toyota Celica.
What is the lowest form of car insurance for Toyota Celica?
The lowest form of car insurance for a Toyota Celica is typically state-minimum liability coverage.
Why is it cheaper to insure a newer Toyota Celica car?
Newer Toyota Celica models may be cheaper to insure due to advanced safety features and better security systems that reduce risk.
Explore our detailed analysis on “Hidden Car Insurance Discounts” for additional information.
At what age is Toyota Celica car insurance cheapest?
Toyota Celica car insurance is typically cheapest for drivers in their 50s, as they are considered lower risk due to more driving experience.
At what point is full coverage for Toyota Celica not worth it?
Full coverage may not be worth the cost for a Toyota Celica when the vehicle’s value is so low that premiums exceed potential claims payouts.
Does credit score affect Toyota Celica car insurance?
Yes, a higher credit score can positively impact your Toyota Celica car insurance rates, as insurers view it as indicative of lower risk behavior.
Use our free quote comparison tool below to find the cheapest coverage in your area.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
