Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance rates for a Toyota Camry Hybrid are $1,352 a year for full coverage insurance. Comprehensive costs an estimated $230, collision insurance costs $422, and liability insurance costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs around $2,932. 16-year-old drivers cost the most to insure at up to $5,296 a year.
Average premium for full coverage: $1,352
Policy rates broken down by type of insurance:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Camry Hybrid models.
Price Range Variability
For the average 40-year-old driver, Toyota Camry Hybrid insurance rates range from the low end price of $576 for basic liability insurance to the much higher price of $2,932 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The example below illustrates the difference location can make on insurance prices.
The examples above illustrate why everyone should compare rates for a targeted area, rather than relying 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.
Rate Comparisons
The chart below illustrates average Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $793
- Drivers who choose higher $1,000 deductibles will pay approximately $150 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,352
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,638
- High risk drivers with multiple tickets or accidents could pay up to $2,932
- Policy cost that insures a teen driver for full coverage can cost as much as $5,296 a year
Insurance rates for a Toyota Camry Hybrid also range considerably based on the model of your Camry Hybrid, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,300 extra every year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age
Your home state makes a big difference in Toyota Camry Hybrid insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $440 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
| 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 Find Cheap Toyota Camry Hybrid Insurance
Finding cheaper rates on Toyota Camry Hybrid insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Comparison shop once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief summary of the data that was touched on in this article.
- It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
- Drivers who want increased levels of liability coverage will pay around $570 annually to go from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are charged the highest rates, possibly costing $441 each month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,580 more annually to buy Toyota Camry Hybrid insurance
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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