Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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The average auto insurance rates for a Toyota Camry Hybrid are $1,302 annually with full coverage. Comprehensive costs on average $214 each year, collision costs $388, and liability is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing around $2,826. 16-year-old drivers cost the most to insure at $5,142 a year or more.
Average premium for full coverage: $1,302
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Camry Hybrid models.
Price Range Variability
For a driver in their 40's, Toyota Camry Hybrid insurance rates go from as cheap as $576 for just liability insurance to a high rate of $2,826 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using rate 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 Details
The chart below details estimated Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $767
- Raising to $1,000 deductibles will save around $138 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,302
- Buying low deductibles will cost $1,568
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,826 or more
- Policy cost with full coverage for a teen driver may cost $5,142
Auto insurance rates for a Toyota Camry Hybrid also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $410 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Camry Hybrid insurance prices. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,760 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 Low Cost Toyota Camry Hybrid Insurance
Finding cheaper rates on car insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations pay an average of $1,520 more each year than a low-risk driver
- You may be able to save as much as $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Policyholders who require more liability protection will pay around $570 every year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,444 |
| $500 | $1,302 |
| $1,000 | $1,164 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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