Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
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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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U.S. average insurance rates for a Toyota Camry Hybrid are $1,352 a year with full coverage. Comprehensive costs approximately $230, collision costs $422, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $2,932. Teen drivers pay the highest rates at $5,296 a year or more.
Average premium for full coverage: $1,352
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Camry Hybrid trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Camry Hybrid insurance prices go from as low as $576 for just liability coverage to a much higher rate of $2,932 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below details estimated Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $793
- Raising to $1,000 deductibles will save $150 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,352
- Choosing more expensive low deductibles will increase the cost to $1,638
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,932 or more
- The price for full coverage for a teen driver with full coverage can cost $5,296
Auto insurance prices for a Toyota Camry Hybrid are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age
The state you live in also has a big influence on Toyota Camry Hybrid insurance prices. A middle-age driver might find prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles can reduce prices by up to $440 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| 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 Find Affordable Toyota Camry Hybrid Insurance
Getting lower rates on car insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief review of the material that was raised in the charts and tables above.
- Policyholders who purchase increased levels of liability coverage will pay about $570 every year to raise from a low limit to 250/500 limits
- Drivers age 20 and younger have the highest car insurance prices, costing up to $441 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,580 more per year to buy Toyota Camry Hybrid insurance
- Increasing physical damage deductibles can save around $425 each year
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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