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Toyota Camry SE Insurance Rates

The average insurance rates for a Toyota Camry SE are $1,324 a year including full coverage. Comprehensive insurance costs approximately $284, collision insurance costs $542, and liability insurance costs around $346. Liability-only insurance costs as low as $410 a year, and high-risk driver insurance costs $2,864 or more. Teenage drivers cost the most to insure at up to $4,894 a year.

Annual premium for full coverage: $1,324

Policy rates by type of coverage:

Comprehensive $284
Collision $542
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Camry Trim Level

For a driver in their 40's, Toyota Camry SE insurance rates range from the low end price of $410 for just liability insurance to the much higher price of $2,864 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,324
High Risk $2,864

These price differences highlight why everyone should compare prices using their specific location, rather than relying on average rates.

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Auto insurance rates for a Toyota Camry SE also range considerably based on the replacement cost of your Camry, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,100 in extra premium every year, depending on your age. Toyota Camry SE insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state has a huge impact on Toyota Camry SE insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,890 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $560 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $312 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted rates will be varied.

View Chart as Image

Toyota Camry SE insurance cost comparison chart
Column chart showing Toyota Camry SE insurance prices range from $760 to $4,894 for full coverage

The chart above shows average Toyota Camry SE insurance prices for various risks and coverage choices. The lowest price with discounts is $760. Drivers who use higher $1,000 deductibles will pay $1,138. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,324. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,690. Drivers with multiple violations and accidents could be charged around $2,864. The rate for full coverage for a teenager can be as high as $4,894.

Toyota Camry SE Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,270-$54-4.1%
Alaska$1,086-$238-18.0%
Arizona$1,326$20.2%
Arkansas$1,340$161.2%
California$1,484$16012.1%
Colorado$1,372$483.6%
Connecticut$1,732$40830.8%
Delaware$1,610$28621.6%
Florida$1,784$46034.7%
Georgia$1,312-$12-0.9%
Hawaii$1,428$1047.9%
Idaho$920-$404-30.5%
Illinois$982-$342-25.8%
Indiana$942-$382-28.9%
Iowa$996-$328-24.8%
Kansas$1,214-$110-8.3%
Kentucky$1,714$39029.5%
Louisiana$2,144$82061.9%
Maine$906-$418-31.6%
Maryland$1,360$362.7%
Massachusetts$1,164-$160-12.1%
Michigan$2,432$1,10883.7%
Minnesota$1,162-$162-12.2%
Mississippi$1,296-$28-2.1%
Missouri$1,128-$196-14.8%
Montana$1,200-$124-9.4%
Nebraska$1,090-$234-17.7%
Nevada$1,708$38429.0%
New Hampshire$1,080-$244-18.4%
New Jersey$1,316-$8-0.6%
New Mexico$1,228-$96-7.3%
New York$1,722$39830.1%
North Carolina$940-$384-29.0%
North Dakota$1,286-$38-2.9%
Ohio$932-$392-29.6%
Oklahoma$1,608$28421.5%
Oregon$1,240-$84-6.3%
Pennsylvania$1,490$16612.5%
Rhode Island$1,604$28021.1%
South Carolina$1,232-$92-6.9%
South Dakota$1,036-$288-21.8%
Tennessee$1,188-$136-10.3%
Texas$1,272-$52-3.9%
Utah$1,172-$152-11.5%
Vermont$940-$384-29.0%
Virginia$950-$374-28.2%
Washington$1,164-$160-12.1%
West Virginia$1,346$221.7%
Wisconsin$1,350$262.0%
Wyoming$1,462$13810.4%

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Toyota Camry SE insurance rates by U.S. city

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Rates by Driver Age

Toyota Camry SE Insurance Rates by Driver Age
Driver AgePremium
16$4,894
20$3,064
30$1,384
40$1,324
50$1,208
60$1,186

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry SE Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,690
$250$1,520
$500$1,324
$1,000$1,138

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry SE Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,324
50/100$1,393
100/300$1,480
250/500$1,705
100 CSL$1,428
300 CSL$1,618
500 CSL$1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Camry SE Insurance Rates for High Risk Drivers
AgePremium
16$6,988
20$4,868
30$2,930
40$2,864
50$2,732
60$2,704

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$70
Multi-vehicle$68
Homeowner$19
5-yr Accident Free$100
5-yr Claim Free$85
Paid in Full/EFT$62
Advance Quote$66
Online Quote$94
Total Discounts$564
Rate after discounts $760

Discounts are estimated and may not be available from every company or in every state.

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