Toyota Camry Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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Estimated insurance prices for a Toyota Camry Hybrid are $1,352 every 12 months for full coverage insurance. Comprehensive costs on average $230 a year, collision costs $422, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing around $2,932. Teen drivers pay the most at $5,296 a year or more.

Average premium for full coverage: $1,352

Premium estimates by type of coverage:

Comprehensive $230
Collision $422
Liability $520

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Camry Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Toyota Camry Hybrid go from the cheapest price of $576 for your basic liability-only policy to a high of $2,932 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, 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.

More Rate Information

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

  • The lowest rate with discounts is $793
  • Using higher $1,000 deductibles will save around $1,202 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,352
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,638
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,932 or more
  • An auto insurance policy to insure a teen driver may cost $5,296 or more

View Chart as Image

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

Insurance prices for a Toyota Camry Hybrid also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Camry Hybrid.

Choosing high deductibles could cut prices by as much as $440 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Camry Hybrid insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, and prices will be substantially different.

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 Shop for the Cheapest Toyota Camry Hybrid Insurance

Finding better rates on car insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following list is a recap of the primary concepts that were raised in the charts and tables above.

  • It is possible to save as much as $160 per year simply by quoting early and online
  • Higher risk drivers that have major violations or accidents pay on average $1,580 more each year than a safer driver
  • Increasing policy deductibles could save as much as $425 each year
  • Drivers age 16 to 20 pay higher prices, with premiums being up to $441 per month if full coverage is included

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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