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 $1,302 a year for full coverage insurance. Comprehensive costs approximately $214 a year, collision costs $388, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing around $2,826. Teen drivers cost the most to insure at $5,142 a year or more.

Average premium for full coverage: $1,302

Policy rates by type of insurance:

Comprehensive $214
Collision $388
Liability $520

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Camry Hybrid trim levels.

Price Range Variability

For a 40-year-old driver, Toyota Camry Hybrid insurance rates go from as low as $576 for minimum levels of liability insurance to a high of $2,826 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,302
High Risk $2,826

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

The examples above illustrate why it is important to get quotes using their specific location and risk profile, 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.

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Additional Rate Details

The chart below illustrates estimated Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $767
  • Choosing higher $1,000 deductibles can save $1,164 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,302
  • Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,568
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $2,826 or more
  • Policy cost for full coverage for a teen driver can cost $5,142 each year

View Chart as Image

Toyota Camry Hybrid insurance cost comparison chart
Column chart showing full coverage Toyota Camry Hybrid insurance rates range from $767 to $5,142

Auto insurance rates for a Toyota Camry Hybrid also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Camry Hybrid insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.

Toyota Camry Hybrid Insurance Rates by State
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%

View Chart as Image

Toyota Camry Hybrid insurance rates by U.S. city

Choosing high deductibles can save as much as $410 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

Toyota Camry Hybrid Insurance Rates by Model Year
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 Find the Right Toyota Camry Hybrid Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, being claim-free, and not having any coverage lapses. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the primary concepts that were illustrated above.

  • It is possible to save around $150 per year simply by quoting early and online
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,520 more per year to insure their Camry Hybrid
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • Teen drivers have the highest car insurance rates, possibly costing $429 each month if they have full coverage

Rates by Driver Age

Toyota Camry Hybrid Insurance 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

Toyota Camry Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,444
$500 $1,302
$1,000 $1,164

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Hybrid Insurance Rates with Different Liability Limits
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

Toyota Camry Hybrid Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $767

Discounts are estimated and may not be available from every company or in every state.

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