Toyota Camry Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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Average auto insurance rates for a Toyota Camry Hybrid are $1,302 annually for full coverage. Comprehensive insurance costs on average $214 a year, collision insurance costs $388, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, and coverage for high-risk drivers costs $2,826 or more. Teen drivers receive the highest rates at up to $5,142 a year.

Average premium for full coverage: $1,302

Rate estimates by individual coverage type:

Comprehensive $214
Collision $388
Liability $520

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Camry Hybrid trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $576 for just the minimum liability insurance to a high of $2,826 for high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

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

These examples show why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.

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Additional Rate Analysis

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

  • The lowest rate with discounts is $767
  • Choosing higher $1,000 deductibles can save around $1,164 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,302
  • Choosing low $100 deductibles for comp and collision coverage costs an additional $266 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,826
  • The cost with full coverage for a 16-year-old driver may cost $5,142 each year

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

Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $410 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Camry Hybrid insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, 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
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 Buy More Affordable Toyota Camry Hybrid Insurance

Saving money on insurance for a Toyota Camry Hybrid takes being safe and accident-free, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a summary of the material that was illustrated above.

  • Insureds who require more liability protection will pay about $570 each year to raise limits from a minimum limit to higher 250/500 limits
  • Youthful drivers pay higher rates, costing as high as $429 per month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,520 more each year than a low-risk driver
  • Increasing deductibles could save up to $400 each year

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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