Toyota Camry Insurance Rates
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UPDATED: Jun 5, 2023
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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.
The average insurance rates for a Toyota Camry are $1,192 a year with full coverage. Comprehensive insurance costs on average $206, collision costs $368, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,588 or more. Teen drivers cost the most to insure at $4,674 a year or more.
Average premium for full coverage: $1,192
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Camry models.
Price Range Variability
For the average 40-year-old driver, Toyota Camry insurance rates go from the low end price of $510 for minimum levels of liability insurance to the much higher price of $2,588 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why everyone should compare rates based on a specific location, 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.
Additional Rate Details
The chart below details estimated Toyota Camry insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $697
- Drivers who choose higher $1,000 deductibles will pay around $130 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,192
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $254 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,588 or more
- Policy cost that insures a teen driver for full coverage may cost $4,674 a year
Auto insurance rates for a Toyota Camry also range considerably based on the model of your Camry, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Toyota Camry insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age
Your home state makes a big difference in Toyota Camry insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,610 on average in Florida, Michigan, 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% |
Choosing high deductibles could save up to $390 every year, whereas buying more liability protection will cost you more. Moving 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
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied.
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 Find Low Cost Toyota Camry Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around once a year by obtaining price quotes from direct companies, and also from several local insurance agents.
The list below is a review of the data that was touched on in this article.
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Policyholders who require higher liability limits will pay about $510 every year to go from a 30/60 limit to the 250/500 level
- Teenagers are charged the highest rates, as much as $390 each month if the policy includes full coverage
- Higher risk drivers who have several accidents or serious violations pay on average $1,400 more each year for car insurance
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.
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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.
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