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 auto insurance rates for a Toyota Camry Hybrid are $1,352 annually with full coverage. Comprehensive insurance costs on average $230, collision insurance costs $422, and liability is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs $2,932 or more. Teen drivers receive the highest rates at up to $5,296 a year.
Average premium for full coverage: $1,352
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Camry Hybrid models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $576 for the bare minimum liability coverage to the much higher price of $2,932 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
These examples demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below details average Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $793
- Raising to $1,000 deductibles will save around $150 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,352
- Choosing pricier low deductibles costs an additional $286 every year
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,932
- The cost with full coverage for a teen driver for full coverage may cost $5,296
Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your driving record, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,300 extra per year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $440 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Camry Hybrid insurance prices. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy the Best Cheap Toyota Camry Hybrid Insurance
Saving money on car insurance consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a quick review of the information touched on above.
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers pay the highest rates, with premiums as much as $441 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $425 each year
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,580 more each year than a driver with a clean driving record
- Policyholders who require additional liability coverage will pay about $570 every year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,504 |
| $500 | $1,352 |
| $1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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