Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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U.S. average insurance rates for a Toyota Camry Hybrid are $1,404 a year for full coverage. Comprehensive insurance costs around $240 each year, collision costs $470, and liability coverage costs $514. Buying just liability costs as little as $572 a year, with insurance for high-risk drivers costing $3,058 or more. Teenage drivers pay the highest rates at $5,478 a year or more.
Average premium for full coverage: $1,404
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Camry Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Camry Hybrid insurance prices go from as low as $572 for just the minimum liability insurance to a high rate of $3,058 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above show why all drivers should compare rates for a specific zip code and risk profile, rather than using average rates.
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 Analysis
The chart below shows estimated Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $816
- Drivers who choose higher $1,000 deductibles will pay about $162 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,404
- Using low deductibles for comprehensive and collision insurance will cost an extra $314 each year
- High-risk insureds who are prone to accidents and violations could pay at least $3,058 or more
- The price for full coverage for a teenage driver can be $5,478 a year
Insurance prices for a Toyota Camry Hybrid are also quite variable based on your driving record, the trim level of your Camry Hybrid, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age
The state you live in makes a big difference in Toyota Camry Hybrid insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$136 | -9.7% |
| Alaska | $1,076 | -$328 | -23.4% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,598 | $194 | 13.8% |
| Colorado | $1,338 | -$66 | -4.7% |
| Connecticut | $1,440 | $36 | 2.6% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,758 | $354 | 25.2% |
| Georgia | $1,298 | -$106 | -7.5% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,244 | -$160 | -11.4% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,684 | $280 | 19.9% |
| New Hampshire | $1,010 | -$394 | -28.1% |
| New Jersey | $1,572 | $168 | 12.0% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,478 | $74 | 5.3% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$68 | -4.8% |
| Rhode Island | $1,872 | $468 | 33.3% |
| South Carolina | $1,272 | -$132 | -9.4% |
| South Dakota | $1,184 | -$220 | -15.7% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,690 | $286 | 20.4% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Using high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Camry Hybrid | $322 | $626 | $420 | $1,548 |
| 2023 Toyota Camry Hybrid | $306 | $600 | $440 | $1,526 |
| 2022 Toyota Camry Hybrid | $294 | $596 | $450 | $1,520 |
| 2021 Toyota Camry Hybrid | $284 | $582 | $470 | $1,516 |
| 2019 Toyota Camry Hybrid | $260 | $538 | $500 | $1,478 |
| 2017 Toyota Camry Hybrid | $240 | $470 | $514 | $1,404 |
| 2016 Toyota Camry Hybrid | $230 | $422 | $520 | $1,352 |
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 Best Toyota Camry Hybrid Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below is a brief recap of the ideas that were touched on in this article.
- Teenage drivers are charged the highest prices, with premiums as much as $457 a month including comprehensive and collision insurance
- Drivers who tend to receive serious violations may be required to pay an average of $1,650 more every year for auto insurance
- Increasing physical damage deductibles can save around $475 each year
- Drivers can save up to $170 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,478 |
| 20 | $3,268 |
| 30 | $1,446 |
| 40 | $1,404 |
| 50 | $1,288 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,718 |
| $250 | $1,570 |
| $500 | $1,404 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,507 |
| 100/300 | $1,635 |
| 250/500 | $1,969 |
| 100 CSL | $1,558 |
| 300 CSL | $1,841 |
| 500 CSL | $2,047 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,786 |
| 20 | $5,212 |
| 30 | $3,106 |
| 40 | $3,058 |
| 50 | $2,922 |
| 60 | $2,896 |
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 | $73 |
| Multi-vehicle | $76 |
| Homeowner | $23 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $60 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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