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...
Licensed Insurance Agent
UPDATED: Apr 24, 2024
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Estimated auto insurance rates for a Toyota Camry Hybrid are $1,302 annually with full coverage. Comprehensive insurance costs on average $214 each year, collision costs $388, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, with high-risk insurance costing $2,826 or more. Teen drivers pay the most at $5,142 a year or more.
Average premium for full coverage: $1,302
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Camry Hybrid models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Camry Hybrid go from as cheap as $576 for just liability insurance to a high rate of $2,826 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas.
The graphic below illustrates how geographic area affects car insurance rates.
These rate differences demonstrate why all drivers should get 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.
More Rate Details
The chart below details estimated Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $767
- Choosing higher $1,000 deductibles can save around $138 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,302
- Choosing low deductibles for comp and collision coverage costs an additional $266 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,826 or more
- An auto insurance policy with full coverage for a teen driver may cost $5,142 each year
Auto insurance prices for a Toyota Camry Hybrid also have a wide range based on the model of your Camry Hybrid, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $410 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota Camry Hybrid insurance prices. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different 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 better rates on car insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct companies, and also from local independent and exclusive agents.
The points below are a condensed summary of the information presented in the illustrations above.
- You may be able to save as much as $150 per year simply by quoting online in advance
- Drivers under the age of 20 are charged the highest prices, possibly costing $429 per month if full coverage is included
- Increasing policy deductibles could save up to $400 each year
- Higher risk drivers with multiple at-fault accidents pay an average of $1,520 more each year to insure a Toyota Camry Hybrid
- Policyholders who require increased liability limits will pay about $570 every year to raise limits from 30/60 bodily injury limits 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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