Toyota Camry Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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The average insurance rates for a Toyota Camry Hybrid are $1,302 a year with full coverage. Comprehensive insurance costs around $214, collision insurance costs $388, and liability costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs $2,826 or more. Teens cost the most to insure at up to $5,142 a year.

Average premium for full coverage: $1,302

Policy rates for type of insurance:

Comprehensive $214
Collision $388
Liability $520

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Camry Hybrid trim levels.

Price Range Variability

Using a middle-aged driver as an example, Toyota Camry Hybrid insurance rates range from as low as $576 for liability-only coverage to a much higher rate of $2,826 for a policy for a high-risk driver.

Liability Only $576
Full Coverage $1,302
High Risk $2,826

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

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Additional Charts and Tables

The chart below details average Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $767
  • Using higher $1,000 deductibles will save about $138 annually
  • The average rate for a good driver age 40 using $500 deductibles is $1,302
  • Selecting more expensive low deductibles for physical damage coverage will cost an extra $266 every year
  • Drivers with serious driving violations could pay at least $2,826
  • Policy cost for full coverage for a teen driver with full coverage can be $5,142 or more

View Chart as Image

Toyota Camry Hybrid insurance cost comparison chart
Column chart showing Toyota Camry Hybrid insurance prices range from $767 to $5,142 for full coverage

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

An older driver with a good driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Toyota Camry Hybrid insurance prices. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,760 on average in Florida, Michigan, and New York.

Toyota Camry Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$126 -9.7%
Alaska $998 -$304 -23.3%
Arizona $1,082 -$220 -16.9%
Arkansas $1,302 -$0 0.0%
California $1,482 $180 13.8%
Colorado $1,240 -$62 -4.8%
Connecticut $1,336 $34 2.6%
Delaware $1,472 $170 13.1%
Florida $1,628 $326 25.0%
Georgia $1,202 -$100 -7.7%
Hawaii $934 -$368 -28.3%
Idaho $882 -$420 -32.3%
Illinois $968 -$334 -25.7%
Indiana $982 -$320 -24.6%
Iowa $878 -$424 -32.6%
Kansas $1,236 -$66 -5.1%
Kentucky $1,772 $470 36.1%
Louisiana $1,928 $626 48.1%
Maine $804 -$498 -38.2%
Maryland $1,072 -$230 -17.7%
Massachusetts $1,040 -$262 -20.1%
Michigan $2,258 $956 73.4%
Minnesota $1,090 -$212 -16.3%
Mississippi $1,558 $256 19.7%
Missouri $1,154 -$148 -11.4%
Montana $1,396 $94 7.2%
Nebraska $1,026 -$276 -21.2%
Nevada $1,562 $260 20.0%
New Hampshire $938 -$364 -28.0%
New Jersey $1,456 $154 11.8%
New Mexico $1,152 -$150 -11.5%
New York $1,372 $70 5.4%
North Carolina $752 -$550 -42.2%
North Dakota $1,068 -$234 -18.0%
Ohio $898 -$404 -31.0%
Oklahoma $1,336 $34 2.6%
Oregon $1,192 -$110 -8.4%
Pennsylvania $1,240 -$62 -4.8%
Rhode Island $1,738 $436 33.5%
South Carolina $1,180 -$122 -9.4%
South Dakota $1,098 -$204 -15.7%
Tennessee $1,138 -$164 -12.6%
Texas $1,566 $264 20.3%
Utah $960 -$342 -26.3%
Vermont $890 -$412 -31.6%
Virginia $778 -$524 -40.2%
Washington $1,006 -$296 -22.7%
West Virginia $1,192 -$110 -8.4%
Wisconsin $900 -$402 -30.9%
Wyoming $1,158 -$144 -11.1%

View Chart as Image

Toyota Camry Hybrid insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 137% more than the average policy. View High Risk Driver Rates

Toyota Camry Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Camry Hybrid $294 $596 $450 $1,520
2023 Toyota Camry Hybrid $284 $582 $470 $1,516
2022 Toyota Camry Hybrid $274 $558 $486 $1,498
2021 Toyota Camry Hybrid $260 $538 $500 $1,478
2019 Toyota Camry Hybrid $240 $470 $514 $1,404
2017 Toyota Camry Hybrid $214 $388 $520 $1,302
2016 Toyota Camry Hybrid $206 $364 $524 $1,274

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 Find the Best Toyota Camry Hybrid Insurance

Finding cheaper rates on car insurance requires being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief recap of the coverage data touched on in the above illustrations.

  • You may be able to save up to $150 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $429 each month if they have full coverage
  • Higher risk drivers who tend to receive serious violations pay an average of $1,520 more every year than a safer driver

Rates by Driver Age

Toyota Camry Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,142
20 $3,016
30 $1,336
40 $1,302
50 $1,194
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,444
$500 $1,302
$1,000 $1,164

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,302
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

Toyota Camry Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,286
20 $4,810
30 $2,864
40 $2,826
50 $2,702
60 $2,678

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $71
Homeowner $22
5-yr Accident Free $88
5-yr Claim Free $83
Paid in Full/EFT $53
Advance Quote $61
Online Quote $90
Total Discounts $535
Rate after discounts $767

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

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