Toyota Celica Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 31, 2023

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The Toyota Celica is a sports car that was discontinued in 2006. Many factors impact your Toyota Celica insurance rates, like your age, driving history, and even the age of your car model. For example, the 2000 Toyota Celica insurance rates will be lower than the rates for a Toyota Celica 2006 model. 

Read through our guide to better understand how your car insurance rates are calculated. We’ll also review some car insurance basics, like what is comprehensive coverage on a car insurance policy, and should you invest in this extra coverage to protect your classic Toyota Celica GT? 

If you found a Toyota Celica for sale, make sure you’re not paying too much for car insurance. Simply enter your five-digit ZIP code into our FREE quote tool above to start comparing great Toyota insurance costs.

Toyota Celica Insurance Rates

Finding cheaper auto insurance online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to compare rates from all providers in order to accurately compare every option.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The quickest method to find the cheapest Toyota Celica insurance quotes is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Insurance premiums paid to insure a Toyota Celica will vary greatly and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Your credit history
  • The size of your community
  • Annual mileage can affect rates
  • Male drivers pay higher rates
  • The deductible you choose
  • Safety rating of your Celica
  • Your job
  • The level of coverage
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new Celica models so the costs to repair may end up costing you less. Conversely, new Celica models have more advanced features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors so those may help offset higher rates.

Liability coverage

This provides protection from damage that occurs to a person or their property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not universally available and may carry a deductible.

Are Toyotas more expensive to insure? As you’ve learned from the information above, many factors besides car brand impact your overall premiums. Your age, driving record, and where you live also affect your insurance costs. 

Similarly, if you own a classic Toyota Celica 1977 model but do not drive it as your primary car, you can potentially purchase a classic car insurance policy. Classic car insurance will have very different rates and coverage options than what you’d need for a Toyota Celica 2000 model that is driven daily.

The best way to ensure you’re getting the most affordable car insurance price for your Toyota Celica is by comparing rates from multiple different companies. Start right now for FREE by entering your five-digit ZIP code into our quote tool below. 

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What are the safety ratings for the Toyota Celica?

Understanding the Toyota Celica safety ratings can help you see what car insurance discounts you might qualify for. Poor ratings can also help explain why your rates might be higher than average. 

Check out the safety ratings for the 2005 Toyota Celica below. 

  • Front driver-side: 4 stars
  • Front passenger-side: 4 stars 
  • Driver-side barrier: 3 stars
  • Rollover star rating: 5 stars

A five-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, these results are average. While it will not cause your insurance premiums to increase dramatically, you also will not see any substantial savings. 

Even though the Toyota Celica was discontinued after 2006, this vehicle is still relatively affordable to fix and maintain. Fortunately, this helps keep your insurance rates low.

Why was Toyota Celica discontinued? Sales started to slump for this sports car, leading to the decision to discontinue the vehicle. Will Toyota bring back the Celica? While some fans of the classic car are pushing for the return of this vehicle, so far there are no plans to bring it back. 

Toyota Celica Compared Against other Vehicles in the Same Class

Comparing the Toyota Celica to similar vehicles can help you save money, especially if it has better insurance loss ratios than other cars in the same class. 

Is the Toyota Celica a sports car? While many consider the Celica to be a sports car, officially, the Insurance Institute for Highway Safety classifies it as simply a small car. 

See similar small cars in the list below.

Unfortunately, the injury and collision loss ratios for this sports car are substantially worse than average at 153 and 179 percent. These numbers will not help your car insurance rates.

You are now an expert on securing affordable Toyota Celica insurance rates. Is the Toyota Celica a good car for you? If so, make sure you’re getting the best insurance premiums. 

Enter your five-digit ZIP code into our FREE quote tool to find out what is the cheapest insurance company for you and your Toyota Celica.

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