Toyota Camry Hybrid Insurance Rates

The average insurance rates for a Toyota Camry Hybrid are $1,302 a year including full coverage. Comprehensive costs approximately $214, collision costs $388, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $2,826. Teenage drivers cost the most to insure at $5,142 a year or more.

Average premium for full coverage: $1,302

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Camry Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.

• The best discount rate is $767
• Raising to $1,000 deductibles will save $138 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,302
• Using pricier low deductibles bumps up the cost to $1,568
• Drivers who are prone to accidents and violations could pay around $2,826 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,142

View Chart as Image

Insurance rates for a Toyota Camry Hybrid also range considerably based on the model of your Camry Hybrid, 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 $2,200 additional every year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Toyota Camry Hybrid insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,860 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $410 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

How to Find Cheaper Toyota Camry Hybrid Insurance

Finding cheaper rates on insurance for a Toyota Camry Hybrid consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,520 more per year to buy Toyota Camry Hybrid insurance
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $429 each month if comprehensive and collision insurance is included
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date