Toyota Camry Hybrid Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 24, 2024
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The average auto insurance rates for a Toyota Camry Hybrid are $1,352 annually for full coverage insurance. Comprehensive costs on average $230 each year, collision insurance costs $422, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $2,932. Teens cost the most to insure at up to $5,296 a year.
Average premium for full coverage: $1,352
Policy rates by type of insurance:
Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Camry Hybrid models.
Price Range Variability
For a driver around age 40, Toyota Camry Hybrid insurance rates range from as cheap as $576 for just liability insurance to a high rate of $2,932 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.
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 illustrates average Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $793
- Using higher $1,000 deductibles will save around $150 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,352
- Selecting low deductibles for physical damage coverage will cost $1,638
- Higher-risk drivers with serious driving violations could pay upwards of $2,932
- Policy cost with full coverage for a teenage driver may cost $5,296 or more
Insurance rates for a Toyota Camry Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will cost you more. Switching 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 has a huge impact on Toyota Camry Hybrid insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.
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
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a quick review of the ideas that were covered above.
- Teens pay higher rates, possibly costing $441 each month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,580 more each year for Camry Hybrid insurance
- Increasing comprehensive and collision deductibles could save up to $425 each year
- It is possible to save as much as $160 per year just by quoting online in advance
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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