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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U.S. average insurance rates for a Toyota Camry Hybrid are $1,302 a year with full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $388, and liability insurance is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing $2,826 or more. Teen drivers pay the highest rates at $5,142 a year or more.
Average premium for full coverage: $1,302
Price estimates broken down by individual coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Camry Hybrid models.
Price Range from Low to High
For the average driver, Toyota Camry Hybrid insurance prices go from the low end price of $576 for the bare minimum liability coverage to a high rate of $2,826 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.
The graphic below illustrates how location impacts insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on 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.
Additional Rate Information
The chart below details estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $767
- Raising to $1,000 deductibles will save approximately $138 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,302
- Choosing low deductibles will cost an additional $266 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,826 or more
- The price that insures a teen driver can cost as much as $5,142
Insurance prices for a Toyota Camry Hybrid are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age
The state you live in also has a big influence on Toyota Camry Hybrid insurance rates. A middle-age driver might find prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles can reduce prices by up to $410 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite different.
| 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
Getting lower rates on Toyota Camry Hybrid insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least every other year by requesting rates from direct companies, and also from insurance agencies where you live.
The next list is a quick rundown of the car insurance concepts touched on above.
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,520 more annually to buy Toyota Camry Hybrid insurance
- You may be able to save approximately $150 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $400 each year
- Drivers who want increased levels of liability coverage will pay about $570 every year to raise from a low limit to the 250/500 level
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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