Toyota Celica Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Celica is cheaper to insure than the average car.

• Liability only car insurance prices for a Celica come in at about $78 monthly, while full coverage normally comes in at around $152 per month.

• The cheapest insurance company for a Celica is ACG, who offers liability only coverage for sometimes as low as $20 monthly, on average.

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Celica Overview

The Toyota Celica is a great budget-friendly car for drivers of all types, with a base price of just $17,670 for 2005 models. With two different trim levels currently available, there's something there for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that average Toyota Celica insurance rates run about $104 per month. But compared to other vehicles in the market, are Celica car insurance prices higher or lower than those of similar cars?

How Much is Car Insurance for a Toyota Celica?

In the table above, you'll find that when you compare the Toyota Celica to other vehicles, insurance premiums are more affordable than average. Celica owners usually pay around $78 a month for liability insurance, and about $152 per month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Toyota models, the Celica is slightly less expensive, with rates around 6% lower than the rest of the company's vehicle offerings. Similarly, coverage for the Celica is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

They're also more affordable to insure than the average vehicle overall, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Toyota Celica?

If you're searching for a new auto insurance policy for your Toyota Celica, you may be most interested in which carrier offers the lowest rates. While there will never be one company that offers the most affordable prices for everyone, ACG has the lowest average rates for liability only coverage, with rates sometimes as cheap as $20 a month. The next cheapest carrier is Mile Auto, who offers auto insurance as cheap as $21 monthly.

The third, fourth, and fifth carriers on the list are Aspire, NYCM, and CSAA. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since car insurance companies look at many different factors when calculating premiums. By checking quotes from several auto insurance carriers at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Toyota Celica?

As we mentioned above, there are a lot of things that insurance companies consider to calculate how much they charge -- and each company weighs different variables more heavily than others, so there's not a single carrier that's the most affordable for every driver.

The following sections show a wide array of variables car insurance carriers use to determine rates:

Vehicle Age

The Toyota Celica has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Celicas continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Celica won't really fit this trend. However, as you can see in the table above, the cheapest Toyota Celicas to insure are those that are 8 to 10 years old, while the most expensive models are Celicas that are 11 to 14 years old, on average.

Your Age

Age makes a difference in how much auto insurance companies will charge for insurance. Based on the information above, teenage Celica drivers have higher rates compared to drivers with more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for Celica drivers being 65 years and older.

Your Gender

Men generally pay more for car insurance than women. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. When it comes to Celica drivers specifically, women pay about $72 per month for auto insurance and men pay around $83.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live matters, too. Because insurance is regulated on the state level and not nationally, rates can change quite a bit from state to state.

For example, the average Toyota Celica driver in New York pays about $178 a month for liability coverage, while the same owner from California will pay less than half of that price, on average. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Toyota Celica Car Insurance Discounts

Regardless of what state you live in, which car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance is always a smart move when shopping around for a new policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than in monthly installments
• Multi-car discounts for having more than one vehicle on your auto policy

There are all sorts of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you may not have control of every factor insurance carriers use to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

You've probably seen ads from auto insurance companies offering big savings for good drivers. And you probably wouldn't be surprised that your car insurance prices will get higher if you get into a collision or get speeding tickets. But exactly how much is it going to cost you for these infractions?

According to the table above, accidents will usually cost Celica drivers more than tickets, but both will result in a raise in rates. Toyota Celica drivers with a single ticket will pay about $103 monthly, while drivers with one accident on their record pay an average of $104 every month (up $26 from the $78/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive each year affects your insurance rates. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll typically end up spending less on auto insurance. In the above table, you can see that Toyota Celica owners who drive 10,000 miles or more pay $81 for insurance, while those who drive fewer than 2,500 miles a year pay about $69 per month.

If you drive less often than the average driver or work from home, it may be worth getting pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Toyota Celicas Compare to Other Vehicles?

If you're thinking about making a Toyota Celica your next vehicle, you're probably wondering how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.

Take a look at the table below to see how the Toyota Celica compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Toyota Celica is a fantastic value for any budget. The Celica comes in at $17,670, which is quite a bit lower than the national average vehicle MSRP of $30,630. And since it's been awhile since a new Celica model has been on the market, used prices will be even cheaper.

Similarly, insurance prices are slightly lower when compared to other vehicles on the market. Liability insurance for a Toyota Celica is around $11 per month less than average, while full coverage is $7 more monthly.

When it comes to usage, Toyota Celica owners drive about the same amount annually as the national average, with 11,660 miles each year for all vehicles compared to the Celica's 10,864 per year.

Toyota Celica Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays to insure a Toyota Celica. But if you're considering buying a new Celica, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your choices.

So we've crunched the numbers and broken down Toyota Celica car insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, such as base price, available trims, and even the cheapest insurance company for each Celica model year.

Choose Your Model

2005 Toyota Celica Car Insurance 2004 Toyota Celica Car Insurance 2003 Toyota Celica Car Insurance 2002 Toyota Celica Car Insurance 2001 Toyota Celica Car Insurance 2000 Toyota Celica Car Insurance 1999 Toyota Celica Car Insurance 1998 Toyota Celica Car Insurance 1997 Toyota Celica Car Insurance 1996 Toyota Celica Car Insurance 1995 Toyota Celica Car Insurance 1994 Toyota Celica Car Insurance 1993 Toyota Celica Car Insurance

2005 Toyota Celica Car Insurance

2005 Toyota Celica drivers can expect to pay an average of $70 a month for liability or $176 for full coverage.

With prices as cheap as just $24 monthly, Elephant offered the lowest policy we found.

Interested in just how much you'll pay? Just enter your ZIP code below to get lots of free personalized quotes.

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2004 Toyota Celica Car Insurance

The average cost to insure a 2004 Celica with liability only coverage is $93 per month, while full coverage runs about $173 a month.

We found Safeco offered the cheapest policy, with rates as low as just $20 per month.

While these are good estimates of what the average driver might pay to insure a 2004 Toyota Celica, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2003 Toyota Celica Car Insurance

It costs around $92 a month for liability or $207 for a full coverage policy for the 2003 Toyota Celica.

If you're looking for the cheapest possible 2003 Toyota Celica insurance policy, Elephant offered the most affordable policy we found, with rates sometimes as little as $23 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2002 Toyota Celica Car Insurance

You can expect full coverage for a 2002 Celica to run about $126 per month, while liability only coverage will average around $80 monthly.

Infinity has rates as low as $1 a month for the 2002 Toyota Celica.

Want something more accurate than nationwide averages? Enter your ZIP code below to get several free personalized quotes.

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2001 Toyota Celica Car Insurance

On average, drivers who own a 2001 Toyota Celica can expect to pay $80 to $177 monthly for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as little as $18 per month.

These average premiums are a great starting point if you're in the market for a 2001 Toyota Celica, but there are a bunch of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2000 Toyota Celica Car Insurance

You can expect full coverage for a 2000 Celica to run about $158 a month, while liability only coverage will average around $84 per month.

Mercury offered the most affordable policy we found, with rates as little as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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1999 Toyota Celica Car Insurance

On average, drivers who own a 1999 Toyota Celica can expect to pay $50 to $94 a month for liability only and full coverage car insurance, respectively.

With rates as cheap as $22 per month, Liberty Mutual offered the cheapest policy we found for the 1999 Toyota Celica.

If you're looking for a more exact figure on what you should pay for auto insurance for a 1999 Toyota Celica, you can get free quotes in minutes by just entering your ZIP code below.

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1998 Toyota Celica Car Insurance

1998 Celica drivers can expect to pay an average of $59 a month for liability or $146 for full coverage.

With prices sometimes as cheap as $24 monthly, Liberty Mutual offered the most affordable policy we found.

Want to know exactly what your insurance rate will be? Just enter your ZIP code below to get a variety of customized quotes for free.

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1997 Toyota Celica Car Insurance

It costs about $61 a month for liability or $109 for a full coverage policy for the 1997 Toyota Celica.

If you're looking for the lowest possible 1997 Toyota Celica insurance policy, Mercury offered the cheapest policy we found, with rates sometimes as low as $21 per month.

If you want to find the best premiums for car insurance for a 1997 Toyota Celica, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1996 Toyota Celica Car Insurance

The average cost to insure a 1996 Celica with liability only coverage is $69 monthly, while full coverage runs around $136 a month.

We found MetroMile offered the lowest policy, with rates as little as $24 monthly.

If you want to know exactly how much you can expect to pay for your Celica, just enter your ZIP code below and get free quotes in minutes.

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1995 Toyota Celica Car Insurance

You can expect full coverage for a 1995 Toyota Celica to run about $118 per month, while liability only coverage will average around $65 monthly.

With rates as cheap as just $17 per month, Safeco offered the cheapest policy we found for the 1995 Toyota Celica.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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1994 Toyota Celica Car Insurance

1994 Celica drivers can expect to pay an average of $71 a month for liability or $74 for full coverage.

Jupiter has prices as little as just $19 per month for the 1994 Toyota Celica.

Interested in exactly how much you'll pay? Get multiple free personalized quotes by just entering your ZIP code below.

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1993 Toyota Celica Car Insurance

On average, drivers who own a 1993 Toyota Celica can expect to pay $68 to $143 a month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Mapfre offered liability only coverage for sometimes as little as $25 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Toyota Celica Insurance FAQs

Is a Toyota Celica expensive to insure?

It costs less to insure a Toyota Celica when compared to the average vehicle. Liability insurance runs an average of $78 per month, while full coverage will cost you around $152.

How can I get the best price on car insurance for my Toyota Celica?

There's only one way to be confident you're getting the most affordable rates -- checking prices regularly and comparing quotes from a multitude of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Celica affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. There are a variety of variables insurance carriers consider when they calculate your rates, but your car's color isn't one of them.

Do I need to have insurance before I buy a Toyota Celica?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Toyota Celica off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Toyota Celica?

There are a ton of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Celica has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to get in touch with your insurance company and ask about which discounts they offer.