Toyota Camry Hybrid Insurance Rates

Average insurance rates for a Toyota Camry Hybrid are $1,302 a year for full coverage. Comprehensive costs on average $214 a year, collision insurance costs $388, and liability coverage is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,826. Teenage 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 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Camry Hybrid trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare rates quotes based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

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

• The best discount rate is $767
• Raising to $1,000 deductibles will save around $1,164 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,302
• Using low $100 deductibles bumps up the cost to $1,568
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,826
• The cost that insures a teenage driver may cost $5,142

View Chart as Image

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

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 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 only pay around $1,200 every 12 months on average 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 also has a big influence on Toyota Camry Hybrid insurance rates. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,860 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $410 a year, while buying higher liability limits will cost you more. Going 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

How to Find the Best Cheap Toyota Camry Hybrid Insurance

Saving money on auto insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and determing if full coverage is necessary. Compare prices every couple of years by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the material that was covered above.

• Consumers who require more liability coverage will pay an extra $570 each year to raise from a minimum limit to the 250/500 level
• Teen drivers pay the highest rates, costing as high as $429 per month if full coverage is included
• Drivers with a DUI or reckless driving violation may pay on average $1,520 more each year to insure their Camry Hybrid
• Increasing deductibles can save approximately $400 each year