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 with full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $388, and liability costs $520. A policy with just liability insurance costs as little as $576 a year, with coverage for high-risk drivers costing $2,826 or more. 16-year-old drivers receive the highest rates at $5,142 a year or more.
Average premium for full coverage: $1,302
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Camry Hybrid models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $576 for liability-only coverage to a high rate of $2,826 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
These examples demonstrate why all drivers should compare rates 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.
Additional Charts and Tables
The chart below details estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $767
- Drivers who choose higher $1,000 deductibles will pay approximately $138 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,302
- Buying low deductibles for comprehensive and collision insurance costs an additional $266 annually
- Drivers with multiple tickets or accidents could pay up to $2,826 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $5,142 a year
Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your driving record, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, 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 like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $410 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Camry Hybrid insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,760 on average in New York, Michigan, and Florida.
| 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 so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and rates can be significantly 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 the Best Toyota Camry Hybrid Insurance
Saving money on insurance for a Toyota Camry Hybrid not only requires having a good driving record, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief recap of the data that was covered in the charts and tables above.
- You may be able to save approximately $150 per year simply by quoting online in advance
- Insureds who want increased levels of liability coverage will pay around $570 every year to go from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums as much as $429 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations pay on average $1,520 more annually to buy Toyota Camry Hybrid insurance
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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