Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
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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 $1,302 annually for full coverage. Comprehensive insurance costs approximately $214 a year, collision insurance costs $388, and liability coverage costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs $2,826 or more. 16-year-old 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:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical 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 a discount liability-only rate to a high of $2,826 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.
These examples show why it is important to compare rates using their specific location and their own personal driving habits, rather than 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.
Rates by State, City, and Model
The chart below shows average Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $767
- Drivers who choose higher $1,000 deductibles will pay $1,164 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,302
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $266 each year
- High-risk insureds with multiple tickets or accidents could pay around $2,826
- The cost with full coverage for a teenage driver can cost $5,142 a year
Auto insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark 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 anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $410 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Camry Hybrid insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,860 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 the Best Cheap Toyota Camry Hybrid Insurance
Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick review of the primary concepts that were illustrated above.
- Drivers can save around $150 per year just by quoting early and online
- Drivers with a DUI or reckless driving violation pay on average $1,520 more per year to buy Toyota Camry Hybrid insurance
- Increasing deductibles could save up to $400 each year
- Drivers age 20 and younger have the highest car insurance rates, costing as high as $429 per month if full coverage is included
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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