Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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Average auto insurance rates for a Toyota Camry Hybrid are $1,302 annually for full coverage insurance. Comprehensive insurance costs an estimated $214, collision costs $388, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,826 or more. Teen drivers receive the highest rates at $5,142 a year or more.
Average premium for full coverage: $1,302
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Camry Hybrid trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $576 for liability-only coverage to a much higher rate of $2,826 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $767
- Using higher $1,000 deductibles will save approximately $138 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,302
- Choosing more expensive low deductibles for physical damage coverage costs an additional $266 every year
- Drivers with multiple violations and an at-fault accident could pay up to $2,826 or more
- The cost with full coverage for a teen driver with full coverage can cost as much as $5,142 or more
Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your risk profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $410 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Camry Hybrid insurance prices. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,176 | -$126 | -9.7% |
| Alaska | $998 | -$304 | -23.3% |
| Arizona | $1,082 | -$220 | -16.9% |
| Arkansas | $1,302 | -$0 | 0.0% |
| California | $1,482 | $180 | 13.8% |
| Colorado | $1,240 | -$62 | -4.8% |
| Connecticut | $1,336 | $34 | 2.6% |
| Delaware | $1,472 | $170 | 13.1% |
| Florida | $1,628 | $326 | 25.0% |
| Georgia | $1,202 | -$100 | -7.7% |
| Hawaii | $934 | -$368 | -28.3% |
| Idaho | $882 | -$420 | -32.3% |
| Illinois | $968 | -$334 | -25.7% |
| Indiana | $982 | -$320 | -24.6% |
| Iowa | $878 | -$424 | -32.6% |
| Kansas | $1,236 | -$66 | -5.1% |
| Kentucky | $1,772 | $470 | 36.1% |
| Louisiana | $1,928 | $626 | 48.1% |
| Maine | $804 | -$498 | -38.2% |
| Maryland | $1,072 | -$230 | -17.7% |
| Massachusetts | $1,040 | -$262 | -20.1% |
| Michigan | $2,258 | $956 | 73.4% |
| Minnesota | $1,090 | -$212 | -16.3% |
| Mississippi | $1,558 | $256 | 19.7% |
| Missouri | $1,154 | -$148 | -11.4% |
| Montana | $1,396 | $94 | 7.2% |
| Nebraska | $1,026 | -$276 | -21.2% |
| Nevada | $1,562 | $260 | 20.0% |
| New Hampshire | $938 | -$364 | -28.0% |
| New Jersey | $1,456 | $154 | 11.8% |
| New Mexico | $1,152 | -$150 | -11.5% |
| New York | $1,372 | $70 | 5.4% |
| North Carolina | $752 | -$550 | -42.2% |
| North Dakota | $1,068 | -$234 | -18.0% |
| Ohio | $898 | -$404 | -31.0% |
| Oklahoma | $1,336 | $34 | 2.6% |
| Oregon | $1,192 | -$110 | -8.4% |
| Pennsylvania | $1,240 | -$62 | -4.8% |
| Rhode Island | $1,738 | $436 | 33.5% |
| South Carolina | $1,180 | -$122 | -9.4% |
| South Dakota | $1,098 | -$204 | -15.7% |
| Tennessee | $1,138 | -$164 | -12.6% |
| Texas | $1,566 | $264 | 20.3% |
| Utah | $960 | -$342 | -26.3% |
| Vermont | $890 | -$412 | -31.6% |
| Virginia | $778 | -$524 | -40.2% |
| Washington | $1,006 | -$296 | -22.7% |
| West Virginia | $1,192 | -$110 | -8.4% |
| Wisconsin | $900 | -$402 | -30.9% |
| Wyoming | $1,158 | -$144 | -11.1% |
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Camry Hybrid | $294 | $596 | $450 | $1,520 |
| 2023 Toyota Camry Hybrid | $284 | $582 | $470 | $1,516 |
| 2022 Toyota Camry Hybrid | $274 | $558 | $486 | $1,498 |
| 2021 Toyota Camry Hybrid | $260 | $538 | $500 | $1,478 |
| 2019 Toyota Camry Hybrid | $240 | $470 | $514 | $1,404 |
| 2017 Toyota Camry Hybrid | $214 | $388 | $520 | $1,302 |
| 2016 Toyota Camry Hybrid | $206 | $364 | $524 | $1,274 |
Rates are averaged for all Toyota Camry Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Toyota Camry Hybrid Insurance
Saving money on car insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a brief recap of the data touched on in this article.
- Policyholders who want higher liability limits will pay about $570 annually to increase from a minimum limit to higher 250/500 limits
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing deductibles could save up to $400 each year
- Teenagers are charged the highest rates, costing up to $429 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,142 |
| 20 | $3,016 |
| 30 | $1,336 |
| 40 | $1,302 |
| 50 | $1,194 |
| 60 | $1,170 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,444 |
| $500 | $1,302 |
| $1,000 | $1,164 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,302 |
| 50/100 | $1,406 |
| 100/300 | $1,536 |
| 250/500 | $1,874 |
| 100 CSL | $1,458 |
| 300 CSL | $1,744 |
| 500 CSL | $1,952 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,286 |
| 20 | $4,810 |
| 30 | $2,864 |
| 40 | $2,826 |
| 50 | $2,702 |
| 60 | $2,678 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $71 |
| Homeowner | $22 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $53 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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