Toyota Camry Hybrid Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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