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Toyota Camry Insurance Rates

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UPDATED: Dec 9, 2019

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Toyota Camry insurance

Average insurance rates for a Toyota Camry are $1,404 a year for full coverage. Comprehensive costs on average $282 a year, collision costs $566, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,054. Teens receive the highest rates at $5,272 a year or more.

Average premium for full coverage: $1,404

Rate estimates by individual coverage type:

Comprehensive $282
Collision $566
Liability $398

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Camry trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $460 for just the minimum liability insurance to a high of $3,054 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,404
High Risk $3,054

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These examples show why it is important to get quotes based on a specific location and risk profile, 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 Rate Analysis

The chart below shows estimated Toyota Camry insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $801
  • Choosing higher $1,000 deductibles can save around $1,212 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,404
  • Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,780
  • Drivers with serious driving violations could pay upwards of $3,054 or more
  • The cost for full coverage for a teenage driver may cost $5,272 each year

View Chart as Image

Toyota Camry insurance cost comparison chart
Column chart showing full coverage Toyota Camry insurance rates range from $801 to $5,272

Auto insurance rates for a Toyota Camry can also vary considerably based on your driver profile, the trim level of your Camry, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Camry insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.

Toyota Camry Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,270-$134-9.5%
Alaska$1,078-$326-23.2%
Arizona$1,166-$238-17.0%
Arkansas$1,404-$00.0%
California$1,602$19814.1%
Colorado$1,340-$64-4.6%
Connecticut$1,446$423.0%
Delaware$1,588$18413.1%
Florida$1,758$35425.2%
Georgia$1,298-$106-7.5%
Hawaii$1,008-$396-28.2%
Idaho$950-$454-32.3%
Illinois$1,048-$356-25.4%
Indiana$1,058-$346-24.6%
Iowa$948-$456-32.5%
Kansas$1,336-$68-4.8%
Kentucky$1,916$51236.5%
Louisiana$2,078$67448.0%
Maine$868-$536-38.2%
Maryland$1,158-$246-17.5%
Massachusetts$1,124-$280-19.9%
Michigan$2,442$1,03873.9%
Minnesota$1,176-$228-16.2%
Mississippi$1,684$28019.9%
Missouri$1,246-$158-11.3%
Montana$1,508$1047.4%
Nebraska$1,108-$296-21.1%
Nevada$1,686$28220.1%
New Hampshire$1,012-$392-27.9%
New Jersey$1,570$16611.8%
New Mexico$1,246-$158-11.3%
New York$1,480$765.4%
North Carolina$810-$594-42.3%
North Dakota$1,150-$254-18.1%
Ohio$970-$434-30.9%
Oklahoma$1,444$402.8%
Oregon$1,286-$118-8.4%
Pennsylvania$1,340-$64-4.6%
Rhode Island$1,876$47233.6%
South Carolina$1,274-$130-9.3%
South Dakota$1,186-$218-15.5%
Tennessee$1,230-$174-12.4%
Texas$1,694$29020.7%
Utah$1,040-$364-25.9%
Vermont$962-$442-31.5%
Virginia$840-$564-40.2%
Washington$1,088-$316-22.5%
West Virginia$1,288-$116-8.3%
Wisconsin$972-$432-30.8%
Wyoming$1,250-$154-11.0%

View Chart as Image

Toyota Camry insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $405 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Camry Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Toyota Camry LE$1,318$110
Toyota Camry SE$1,362$114
Toyota Camry XLE$1,404$117
Toyota Camry Hybrid$1,520$127

Rates assume 2018 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.

Toyota Camry Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Toyota Camry$282$566$398$1,404
2017 Toyota Camry$272$552$416$1,398
2016 Toyota Camry$262$530$430$1,380
2015 Toyota Camry$248$512$442$1,360
2014 Toyota Camry$238$474$452$1,322
2013 Toyota Camry$230$446$456$1,290
2012 Toyota Camry$220$400$460$1,238
2011 Toyota Camry$206$368$460$1,192
2010 Toyota Camry$198$346$464$1,166
2009 Toyota Camry$194$322$474$1,148
2008 Toyota Camry$180$300$474$1,112
2007 Toyota Camry$174$272$478$1,082
2006 Toyota Camry$162$248$474$1,042
2005 Toyota Camry$152$226$474$1,010
2004 Toyota Camry$148$202$468$976
2003 Toyota Camry$146$198$460$962
2002 Toyota Camry$144$188$452$942
2001 Toyota Camry$132$180$446$916
2000 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 Find the Best Toyota Camry Insurance

Saving money on auto insurance takes being a good driver, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a brief recap of the data covered in the above illustrations.

  • Consumers who require an increased level of liability coverage will pay approximately $440 each year to raise limits from a minimum limit to 250/500 limits
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Increasing deductibles can save around $575 each year
  • Drivers age 16 to 20 are charged the highest rates, costing as high as $439 per month if they have full coverage

Rates by Driver Age

Toyota Camry Insurance Rates by Driver Age
Driver AgePremium
16$5,272
20$3,272
30$1,468
40$1,404
50$1,286
60$1,262

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,780
$250$1,604
$500$1,404
$1,000$1,212

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,404
50/100$1,610
100/300$1,723
250/500$2,015
100 CSL$1,655
300 CSL$1,903
500 CSL$2,083

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Camry Insurance Rates for High Risk Drivers
AgePremium
16$7,528
20$5,206
30$3,124
40$3,054
50$2,918
60$2,894

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.

SR-22 Surcharge $199

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$75
Multi-vehicle$74
Homeowner$20
5-yr Accident Free$106
5-yr Claim Free$91
Paid in Full/EFT$66
Advance Quote$71
Online Quote$100
Total Discounts$603
Rate after discounts $801

Discounts are estimated and may not be available from every company or in every state.

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