Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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Average insurance rates for a Toyota Camry Hybrid are $1,302 a year including full coverage. Comprehensive costs on average $214 a year, collision costs $388, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,826. Teenage drivers receive the highest rates at $5,142 a year or more.
Average premium for full coverage: $1,302
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Camry Hybrid trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $576 for just liability insurance to a high of $2,826 for high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
These examples highlight why it is important to compare prices based on a specific location, instead of using average rates.
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 breaks down estimated Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $767
- Using higher $1,000 deductibles will save around $1,164 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,302
- Using low $100 deductibles for physical damage coverage bumps up the cost to $1,568
- Drivers who are prone to accidents and violations could pay upwards of $2,826 or more
- The cost that insures a teen driver may cost $5,142 or more
Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 137% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age
Where you live has a huge impact on Toyota Camry Hybrid insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,860 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut rates by as much as $410 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates can be significantly different.
| 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 Find Cheap Toyota Camry Hybrid Insurance
Saving money on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices every couple of years by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a brief summary of the material that was touched on in the above illustrations.
- Policyholders who require more liability coverage will pay an extra $570 per year to increase from a minimum limit to the 250/500 level
- Teen drivers pay the highest rates, as much as $429 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,520 more each year to insure their Camry Hybrid
- Increasing deductibles can save approximately $400 each year
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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