Toyota Camry Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
You may be asking, “What is the Toyota Camry insurance cost per month?” Toyota Camry insurance rates are $1,432 a year, or around $119 a month on average.
There are a number of factors that ultimately determine Toyota Camry insurance costs, such as the model year of the vehicle. For example, 2018 Camry insurance costs are more affordable than the newest model.
Let our thorough guide serve as your main point of reference as you explore Toyota Camry car insurance quotes. Once you’re ready, be sure to enter your five-digit ZIP code to start comparing Toyota Camry insurance rates from multiple companies.
Average auto insurance rates for a Toyota Camry are $1,192 annually for full coverage. Comprehensive costs around $206, collision insurance costs $368, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,588. Teenage drivers receive the highest rates at up to $4,674 a year.
Average premium for full coverage: $1,192
Rate estimates for individual coverage type:
These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Camry trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $510 for just liability insurance to a much higher rate of $2,588 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.
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.
More Rate Details
The chart below shows average Toyota Camry insurance rates for additional coverage choices and driver risks.
- The best discount rate is $697
- Using higher $1,000 deductibles will save about $130 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,192
- Using more expensive low deductibles for physical damage coverage will cost $1,446
- Drivers who are prone to accidents and violations could pay at least $2,588
- The cost with full coverage for a teen driver with full coverage can be $4,674 or more
Car insurance rates for a Toyota Camry can also vary considerably based on the trim level of your Camry, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $390 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Camry insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,700 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,078 | -$114 | -9.6% |
Alaska | $914 | -$278 | -23.3% |
Arizona | $990 | -$202 | -16.9% |
Arkansas | $1,192 | -$0 | 0.0% |
California | $1,358 | $166 | 13.9% |
Colorado | $1,140 | -$52 | -4.4% |
Connecticut | $1,224 | $32 | 2.7% |
Delaware | $1,348 | $156 | 13.1% |
Florida | $1,490 | $298 | 25.0% |
Georgia | $1,100 | -$92 | -7.7% |
Hawaii | $856 | -$336 | -28.2% |
Idaho | $808 | -$384 | -32.2% |
Illinois | $886 | -$306 | -25.7% |
Indiana | $896 | -$296 | -24.8% |
Iowa | $802 | -$390 | -32.7% |
Kansas | $1,132 | -$60 | -5.0% |
Kentucky | $1,626 | $434 | 36.4% |
Louisiana | $1,764 | $572 | 48.0% |
Maine | $736 | -$456 | -38.3% |
Maryland | $984 | -$208 | -17.4% |
Massachusetts | $954 | -$238 | -20.0% |
Michigan | $2,070 | $878 | 73.7% |
Minnesota | $998 | -$194 | -16.3% |
Mississippi | $1,428 | $236 | 19.8% |
Missouri | $1,056 | -$136 | -11.4% |
Montana | $1,280 | $88 | 7.4% |
Nebraska | $940 | -$252 | -21.1% |
Nevada | $1,430 | $238 | 20.0% |
New Hampshire | $860 | -$332 | -27.9% |
New Jersey | $1,334 | $142 | 11.9% |
New Mexico | $1,056 | -$136 | -11.4% |
New York | $1,256 | $64 | 5.4% |
North Carolina | $686 | -$506 | -42.4% |
North Dakota | $976 | -$216 | -18.1% |
Ohio | $824 | -$368 | -30.9% |
Oklahoma | $1,224 | $32 | 2.7% |
Oregon | $1,092 | -$100 | -8.4% |
Pennsylvania | $1,138 | -$54 | -4.5% |
Rhode Island | $1,592 | $400 | 33.6% |
South Carolina | $1,080 | -$112 | -9.4% |
South Dakota | $1,006 | -$186 | -15.6% |
Tennessee | $1,044 | -$148 | -12.4% |
Texas | $1,438 | $246 | 20.6% |
Utah | $882 | -$310 | -26.0% |
Vermont | $816 | -$376 | -31.5% |
Virginia | $714 | -$478 | -40.1% |
Washington | $922 | -$270 | -22.7% |
West Virginia | $1,092 | -$100 | -8.4% |
Wisconsin | $824 | -$368 | -30.9% |
Wyoming | $1,062 | -$130 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Camry LE | $1,136 | $95 |
Toyota Camry SE | $1,164 | $97 |
Toyota Camry XLE | $1,192 | $99 |
Toyota Camry Hybrid | $1,302 | $109 |
Rates assume 2015 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Toyota Camry | $262 | $530 | $430 | $1,380 |
2019 Toyota Camry | $248 | $512 | $442 | $1,360 |
2018 Toyota Camry | $238 | $474 | $452 | $1,322 |
2017 Toyota Camry | $230 | $446 | $456 | $1,290 |
2016 Toyota Camry | $220 | $400 | $460 | $1,238 |
2015 Toyota Camry | $206 | $368 | $460 | $1,192 |
2014 Toyota Camry | $198 | $346 | $464 | $1,166 |
2013 Toyota Camry | $194 | $322 | $474 | $1,148 |
2012 Toyota Camry | $180 | $300 | $474 | $1,112 |
2011 Toyota Camry | $174 | $272 | $478 | $1,082 |
2010 Toyota Camry | $162 | $248 | $474 | $1,042 |
2009 Toyota Camry | $152 | $226 | $474 | $1,010 |
2008 Toyota Camry | $148 | $202 | $468 | $976 |
2007 Toyota Camry | $146 | $198 | $460 | $962 |
2006 Toyota Camry | $144 | $188 | $452 | $942 |
2005 Toyota Camry | $132 | $180 | $446 | $916 |
2004 Toyota Camry | $126 | $170 | $442 | $896 |
Rates are averaged for all Toyota Camry 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 Cheap Toyota Camry Insurance
Saving money on Toyota Camry insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a brief summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,400 more every year to insure their Camry
- Drivers can save up to $140 per year just by shopping early and online
- Increasing deductibles could save up to $375 each year
- Drivers who may need more liability coverage will pay an extra $510 each year to increase from a minimum limit to higher 250/500 limits
As you can see from the information we’ve gone over to this point, it’s clear that there are differences in costs when it comes to a Toyota Camry insurance policy. For example, 2015 Toyota Camry insurance costs are more expensive than 2012 Toyota Camry insurance costs.
The best way to find out what you might pay is by taking advantage of our free online tool below.
Compare Quotes From Top Companies and Save Secured with SHA-256 EncryptionFree Car Insurance Comparison
What are the Toyota Camry safety ratings?
It’s important to consider the safety ratings of the Toyota Camry to get a proper understanding of where you might qualify for policy discounts.
Take a look at the safety ratings of the Toyota Camry below so you can see where you might be eligible for policy discounts.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
For a frame of reference, the Insurance Institute for Highway Safety classifies “Good” as the highest rating possible. The Toyota Camry achieved that mark in every part of the car that was tested, meaning it absolutely aced the crash test.
Toyota Camry Compared Against Other Vehicles in the Same Class
Officially, the Toyota Camry is classified as a midsize four-door sedan by the Insurance Institute for Highway Safety. Other similar models include the following:
When providing you with a quote, insurance companies will consider the loss percentages of the Toyota Camry as it compares to other similar models in this class.
The good news is that the Toyota Camry reflects a property damage liability loss percentage of -39 percent and a bodily injury liability loss percentage of -28 percent. Both of these figures are considered way above average for this vehicle class.
Now that we have gone into great detail about how Toyota Camry insurance rates are calculated, is there anything we might have missed? If not, start comparing Toyota Camry quotes from multiple companies through the use of our free online tool.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,674 |
20 | $2,762 |
30 | $1,226 |
40 | $1,192 |
50 | $1,092 |
60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,446 |
$250 | $1,326 |
$500 | $1,192 |
$1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,192 |
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 | $6,626 |
20 | $4,404 |
30 | $2,626 |
40 | $2,588 |
50 | $2,476 |
60 | $2,454 |
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 | $62 |
Multi-vehicle | $65 |
Homeowner | $20 |
5-yr Accident Free | $82 |
5-yr Claim Free | $77 |
Paid in Full/EFT | $49 |
Advance Quote | $57 |
Online Quote | $83 |
Total Discounts | $495 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area