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Toyota Camry Insurance Rates

Toyota Camry insurance

Average insurance rates for a Toyota Camry are $1,362 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $564, and liability coverage is estimated at $354. Buying just liability costs approximately $416 a year, with insurance for high-risk drivers costing around $2,948. Teens receive the highest rates at $5,028 a year or more.

Average premium for full coverage: $1,362

Rate estimates by individual coverage type:

Comprehensive $292
Collision $564
Liability $354

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 $416 for just the minimum liability insurance to a high of $2,948 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,362
High Risk $2,948

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 $1,022
Small Cities $1,430
Large Cities $1,839

These examples show why it is important to get quotes based on a specific location and risk profile, rather than using averaged prices.

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Additional Rate Analysis

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

  • The cheapest rate after discounts is $777
  • Choosing higher $1,000 deductibles can save around $1,168 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,362
  • Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,740
  • Drivers with serious driving violations could pay upwards of $2,948 or more
  • The cost for full coverage for a teenage driver may cost $5,028 each year

View Chart as Image

Toyota Camry insurance cost comparison chart
Column chart showing full coverage Toyota Camry insurance rates range from $777 to $5,028

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 $5,000 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 $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,160 on average in Michigan, Louisiana, and New York.

Toyota Camry Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,308-$54-4.0%
Alaska$1,118-$244-17.9%
Arizona$1,366$40.3%
Arkansas$1,378$161.2%
California$1,528$16612.2%
Colorado$1,414$523.8%
Connecticut$1,784$42231.0%
Delaware$1,656$29421.6%
Florida$1,838$47634.9%
Georgia$1,350-$12-0.9%
Hawaii$1,470$1087.9%
Idaho$946-$416-30.5%
Illinois$1,012-$350-25.7%
Indiana$968-$394-28.9%
Iowa$1,024-$338-24.8%
Kansas$1,250-$112-8.2%
Kentucky$1,764$40229.5%
Louisiana$2,206$84462.0%
Maine$932-$430-31.6%
Maryland$1,398$362.6%
Massachusetts$1,200-$162-11.9%
Michigan$2,504$1,14283.8%
Minnesota$1,194-$168-12.3%
Mississippi$1,332-$30-2.2%
Missouri$1,162-$200-14.7%
Montana$1,234-$128-9.4%
Nebraska$1,120-$242-17.8%
Nevada$1,758$39629.1%
New Hampshire$1,110-$252-18.5%
New Jersey$1,356-$6-0.4%
New Mexico$1,264-$98-7.2%
New York$1,770$40830.0%
North Carolina$966-$396-29.1%
North Dakota$1,324-$38-2.8%
Ohio$960-$402-29.5%
Oklahoma$1,654$29221.4%
Oregon$1,274-$88-6.5%
Pennsylvania$1,534$17212.6%
Rhode Island$1,650$28821.1%
South Carolina$1,268-$94-6.9%
South Dakota$1,068-$294-21.6%
Tennessee$1,222-$140-10.3%
Texas$1,308-$54-4.0%
Utah$1,206-$156-11.5%
Vermont$968-$394-28.9%
Virginia$978-$384-28.2%
Washington$1,200-$162-11.9%
West Virginia$1,386$241.8%
Wisconsin$1,388$261.9%
Wyoming$1,506$14410.6%

View Chart as Image

Toyota Camry insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 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 $360 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 $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 131% 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$1,276$106
Toyota Camry SE$1,320$110
Toyota Camry XLE$1,362$114
Toyota Camry Hybrid$1,470$123

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$292$564$354$1,362
2017 Toyota Camry$278$542$370$1,342
2016 Toyota Camry$268$538$378$1,336
2015 Toyota Camry$258$524$396$1,330
2014 Toyota Camry$250$502$408$1,312
2013 Toyota Camry$236$486$420$1,294
2012 Toyota Camry$226$450$428$1,256
2011 Toyota Camry$218$424$432$1,226
2010 Toyota Camry$208$380$436$1,176
2009 Toyota Camry$194$350$436$1,132
2008 Toyota Camry$188$328$440$1,108
2007 Toyota Camry$184$306$450$1,092
2006 Toyota Camry$170$284$450$1,056
2005 Toyota Camry$166$258$454$1,030
2004 Toyota Camry$154$236$450$992
2003 Toyota Camry$146$214$450$962
2002 Toyota Camry$140$192$446$930
2001 Toyota Camry$138$188$436$914
2000 Toyota Camry$136$180$428$896
1999 Toyota Camry$124$170$424$870

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 $390 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 $419 per month if they have full coverage

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Rates by Driver Age

Toyota Camry Insurance Rates by Driver Age
Driver AgePremium
16$5,028
20$3,154
30$1,426
40$1,362
50$1,242
60$1,220

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,740
$250$1,566
$500$1,362
$1,000$1,168

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,362
50/100$1,550
100/300$1,650
250/500$1,910
100 CSL$1,590
300 CSL$1,810
500 CSL$1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Camry Insurance Rates for High Risk Drivers
AgePremium
16$7,184
20$5,014
30$3,020
40$2,948
50$2,814
60$2,786

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 $191

Potential Rate Discounts

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

DiscountSavings
Multi-policy$73
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$103
5-yr Claim Free$88
Paid in Full/EFT$65
Advance Quote$69
Online Quote$97
Total Discounts$585
Rate after discounts $777

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

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