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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The average auto insurance rates for a Toyota Camry Hybrid are $1,302 annually including full coverage. Comprehensive costs an estimated $214, collision costs $388, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage 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 broken down by type of insurance:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Camry Hybrid models.
Price Range Variability
For the normal driver, Toyota Camry Hybrid insurance rates go from as cheap as $576 for just liability insurance to the much higher price of $2,826 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $767
- Raising to $1,000 deductibles will save approximately $138 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,302
- Buying pricier low deductibles will cost $1,568
- Drivers with multiple tickets or accidents could pay up to $2,826 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,142
Insurance rates for a Toyota Camry Hybrid also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low 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 should be prepared to pay at least $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 are likely paying $1,600 to $2,200 additional every year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers is expensive and can cost from 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 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each 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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,860 on average in Louisiana, New York, 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and 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 Cheaper Toyota Camry Hybrid Insurance
Finding cheaper rates on insurance for a Toyota Camry Hybrid consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a condensed summary of the information presented in the illustrations above.
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, with premiums being up to $429 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,520 more annually than a low-risk driver
- Insureds who want more liability protection will pay around $570 per 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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