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...
Licensed Insurance Agent
UPDATED: Apr 24, 2024
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U.S. average insurance prices for a Toyota Camry Hybrid are $1,352 every 12 months with full coverage. Comprehensive insurance costs an estimated $230 each year, collision costs $422, and liability coverage costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,932 or more. Teens pay the highest rates at $5,296 a year or more.
Average premium for full coverage: $1,352
Price estimates broken down by individual coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Camry Hybrid models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Camry Hybrid insurance prices go from the cheapest price of $576 for liability-only coverage to a high rate of $2,932 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects insurance prices.
The ranges above demonstrate why all drivers should compare prices for a targeted area and their own driving history, rather than using averaged prices.
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 details estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $793
- Using higher $1,000 deductibles will save approximately $150 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,352
- Selecting low deductibles for physical damage coverage costs an extra $286 each year
- Higher-risk drivers with serious driving violations could pay up to $2,932 or more
- The price to insure a teenage driver can cost as much as $5,296 or more
Insurance prices for a Toyota Camry Hybrid are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Toyota Camry Hybrid insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$132 | -9.8% |
| Alaska | $1,036 | -$316 | -23.4% |
| Arizona | $1,122 | -$230 | -17.0% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,538 | $186 | 13.8% |
| Colorado | $1,288 | -$64 | -4.7% |
| Connecticut | $1,388 | $36 | 2.7% |
| Delaware | $1,528 | $176 | 13.0% |
| Florida | $1,688 | $336 | 24.9% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $968 | -$384 | -28.4% |
| Idaho | $916 | -$436 | -32.2% |
| Illinois | $1,004 | -$348 | -25.7% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $910 | -$442 | -32.7% |
| Kansas | $1,282 | -$70 | -5.2% |
| Kentucky | $1,840 | $488 | 36.1% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,114 | -$238 | -17.6% |
| Massachusetts | $1,078 | -$274 | -20.3% |
| Michigan | $2,342 | $990 | 73.2% |
| Minnesota | $1,130 | -$222 | -16.4% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,198 | -$154 | -11.4% |
| Montana | $1,450 | $98 | 7.2% |
| Nebraska | $1,064 | -$288 | -21.3% |
| Nevada | $1,622 | $270 | 20.0% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,510 | $158 | 11.7% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $778 | -$574 | -42.5% |
| North Dakota | $1,108 | -$244 | -18.0% |
| Ohio | $930 | -$422 | -31.2% |
| Oklahoma | $1,386 | $34 | 2.5% |
| Oregon | $1,236 | -$116 | -8.6% |
| Pennsylvania | $1,286 | -$66 | -4.9% |
| Rhode Island | $1,802 | $450 | 33.3% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,140 | -$212 | -15.7% |
| Tennessee | $1,178 | -$174 | -12.9% |
| Texas | $1,626 | $274 | 20.3% |
| Utah | $998 | -$354 | -26.2% |
| Vermont | $924 | -$428 | -31.7% |
| Virginia | $808 | -$544 | -40.2% |
| Washington | $1,044 | -$308 | -22.8% |
| West Virginia | $1,236 | -$116 | -8.6% |
| Wisconsin | $934 | -$418 | -30.9% |
| Wyoming | $1,202 | -$150 | -11.1% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Camry Hybrid | $306 | $600 | $440 | $1,526 |
| 2023 Toyota Camry Hybrid | $294 | $596 | $450 | $1,520 |
| 2022 Toyota Camry Hybrid | $284 | $582 | $470 | $1,516 |
| 2021 Toyota Camry Hybrid | $274 | $558 | $486 | $1,498 |
| 2019 Toyota Camry Hybrid | $250 | $500 | $510 | $1,440 |
| 2017 Toyota Camry Hybrid | $230 | $422 | $520 | $1,352 |
| 2016 Toyota Camry Hybrid | $214 | $388 | $520 | $1,302 |
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 Shop for the Cheapest Toyota Camry Hybrid Insurance
Getting lower rates on auto insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the data that was touched on in the above illustrations.
- You may be able to save approximately $160 per year simply by quoting online in advance
- Consumers who want an increased level of liability coverage will pay approximately $570 every year to increase from a low limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, costing up to $441 a month if full coverage is included
- Drivers that have major violations or accidents may pay on average $1,580 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,296 |
| 20 | $3,130 |
| 30 | $1,388 |
| 40 | $1,352 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,504 |
| $500 | $1,352 |
| $1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,456 |
| 100/300 | $1,586 |
| 250/500 | $1,924 |
| 100 CSL | $1,508 |
| 300 CSL | $1,794 |
| 500 CSL | $2,002 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,516 |
| 20 | $4,994 |
| 30 | $2,976 |
| 40 | $2,932 |
| 50 | $2,804 |
| 60 | $2,780 |
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 | $70 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $559 |
Discounts are estimated and may not be available from every company or in every state.
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