Toyota Camry Hybrid Insurance Rates

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

Average premium for full coverage: $1,302

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Camry Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code, instead of making a decision based on average rates.

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

More Rate Details

The chart below shows average Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.

• The best discount rate is $767
• Drivers who choose higher $1,000 deductibles will pay about $138 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,302
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,568
• Drivers who are prone to accidents and violations could pay at least $2,826
• Policy cost that insures a 16-year-old driver for full coverage can be $5,142 a year

View Chart as Image

Auto insurance rates for a Toyota Camry Hybrid also range considerably based on the model of your Camry Hybrid, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers can cost from 43% to 137% 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 may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Your home state makes a big difference in Toyota Camry Hybrid insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,860 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $410 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota Camry Hybrid Insurance

Finding cheaper rates on insurance for a Toyota Camry Hybrid not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The list below is a review of the data touched on above.

• Insureds who may need higher liability limits will pay an extra $570 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teenagers are expensive to insure, costing up to $429 each month if the policy includes full coverage