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Why does my older Camry cost more for insurance than my newer Camry?

While I was looking at my Allstate policy, I noticed that the premium for my 2016 Toyota Camry is more than for my 2019 Toyota Camry. They both have the same coverage. How is this possible?

Shannon Martin · Updated on May 12, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Many factors play a role in your

premium, not just the year, make, and model of the car.

Usually, each car on the policy is assigned to a driver. Depending on the driver’s history and experience, this can raise or lower the vehicle’s premium.

Annual mileage is another factor. Is one car used for work and the other for pleasure? Is one car used for business, or does one have

rideshare insurance

attached?

Even though the cars are very similar, your 2019 Camry may have new safety features that decrease the premium associated with

bodily injury liability

or

medical payments coverage

.

If you are unhappy with the overall rate of your policy, it may be time to shop for a more

cheap car insurance

policy. Downloading the free

app is a great place to start! Jerry shops with over 40 carriers and delivers the most affordable quotes right to your phone. “

View full answer

WHY YOU CAN TRUST JERRY

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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