Toyota Camry Hybrid Insurance Rates

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Cheap 2016 Toyota Camry Hybrid Insurance Rates in 2025

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UPDATED: Apr 24, 2024

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The average auto insurance rates for a Toyota Camry Hybrid are $1,352 annually for full coverage insurance. Comprehensive costs on average $230 each year, collision insurance costs $422, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $2,932. Teens cost the most to insure at up to $5,296 a year.

Average premium for full coverage: $1,352

Policy rates by type of insurance:

Comprehensive $230
Collision $422
Liability $520

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Camry Hybrid models.

Price Range Variability

For a driver around age 40, Toyota Camry Hybrid insurance rates range from as cheap as $576 for just liability insurance to a high rate of $2,932 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,352
High Risk $2,932

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, 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.

More Rate Details

The chart below illustrates average Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $793
  • Using higher $1,000 deductibles will save around $150 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,352
  • Selecting low deductibles for physical damage coverage will cost $1,638
  • Higher-risk drivers with serious driving violations could pay upwards of $2,932
  • Policy cost with full coverage for a teenage driver may cost $5,296 or more

View Chart as Image

Toyota Camry Hybrid insurance cost comparison chart
Column chart showing Toyota Camry Hybrid insurance rates range from $793 to $5,296 for full coverage

Insurance rates for a Toyota Camry Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Camry Hybrid insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.

Toyota Camry Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,220 -$132 -9.8%
Alaska $1,036 -$316 -23.4%
Arizona $1,122 -$230 -17.0%
Arkansas $1,352 -$0 0.0%
California $1,538 $186 13.8%
Colorado $1,288 -$64 -4.7%
Connecticut $1,388 $36 2.7%
Delaware $1,528 $176 13.0%
Florida $1,688 $336 24.9%
Georgia $1,248 -$104 -7.7%
Hawaii $968 -$384 -28.4%
Idaho $916 -$436 -32.2%
Illinois $1,004 -$348 -25.7%
Indiana $1,018 -$334 -24.7%
Iowa $910 -$442 -32.7%
Kansas $1,282 -$70 -5.2%
Kentucky $1,840 $488 36.1%
Louisiana $2,000 $648 47.9%
Maine $834 -$518 -38.3%
Maryland $1,114 -$238 -17.6%
Massachusetts $1,078 -$274 -20.3%
Michigan $2,342 $990 73.2%
Minnesota $1,130 -$222 -16.4%
Mississippi $1,618 $266 19.7%
Missouri $1,198 -$154 -11.4%
Montana $1,450 $98 7.2%
Nebraska $1,064 -$288 -21.3%
Nevada $1,622 $270 20.0%
New Hampshire $974 -$378 -28.0%
New Jersey $1,510 $158 11.7%
New Mexico $1,196 -$156 -11.5%
New York $1,424 $72 5.3%
North Carolina $778 -$574 -42.5%
North Dakota $1,108 -$244 -18.0%
Ohio $930 -$422 -31.2%
Oklahoma $1,386 $34 2.5%
Oregon $1,236 -$116 -8.6%
Pennsylvania $1,286 -$66 -4.9%
Rhode Island $1,802 $450 33.3%
South Carolina $1,224 -$128 -9.5%
South Dakota $1,140 -$212 -15.7%
Tennessee $1,178 -$174 -12.9%
Texas $1,626 $274 20.3%
Utah $998 -$354 -26.2%
Vermont $924 -$428 -31.7%
Virginia $808 -$544 -40.2%
Washington $1,044 -$308 -22.8%
West Virginia $1,236 -$116 -8.6%
Wisconsin $934 -$418 -30.9%
Wyoming $1,202 -$150 -11.1%

View Chart as Image

Toyota Camry Hybrid insurance rates by U.S. city
Toyota Camry Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Camry Hybrid $306 $600 $440 $1,526
2023 Toyota Camry Hybrid $294 $596 $450 $1,520
2022 Toyota Camry Hybrid $284 $582 $470 $1,516
2021 Toyota Camry Hybrid $274 $558 $486 $1,498
2019 Toyota Camry Hybrid $250 $500 $510 $1,440
2017 Toyota Camry Hybrid $230 $422 $520 $1,352
2016 Toyota Camry Hybrid $214 $388 $520 $1,302

Rates are averaged for all Toyota Camry Hybrid 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 the Best Cheap Toyota Camry Hybrid Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the ideas that were covered above.

  • Teens pay higher rates, possibly costing $441 each month if they have full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,580 more each year for Camry Hybrid insurance
  • Increasing comprehensive and collision deductibles could save up to $425 each year
  • It is possible to save as much as $160 per year just by quoting online in advance

Rates by Driver Age

Toyota Camry Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,296
20 $3,130
30 $1,388
40 $1,352
50 $1,238
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,504
$500 $1,352
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,352
50/100 $1,456
100/300 $1,586
250/500 $1,924
100 CSL $1,508
300 CSL $1,794
500 CSL $2,002

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Camry Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,516
20 $4,994
30 $2,976
40 $2,932
50 $2,804
60 $2,780

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $93
5-yr Claim Free $87
Paid in Full/EFT $56
Advance Quote $64
Online Quote $94
Total Discounts $559
Rate after discounts $793

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

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