Toyota Camry Hybrid Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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