Toyota Camry Hybrid Insurance Rates

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Cheap 2016 Toyota Camry Hybrid Insurance Rates in 2025

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UPDATED: Apr 24, 2024

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Estimated auto insurance rates for a Toyota Camry Hybrid are $1,352 annually for full coverage insurance. Comprehensive costs approximately $230, collision costs $422, and liability coverage costs $520. Liability-only insurance costs as little as $576 a year, with high-risk driver insurance costing around $2,932. Teen drivers pay the most at $5,296 a year or more.

Average premium for full coverage: $1,352

Premium estimates by type of coverage:

Comprehensive $230
Collision $422
Liability $520

Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Camry Hybrid trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Toyota Camry Hybrid go from as cheap as $576 for your basic liability-only policy to a much higher rate of $2,932 for a driver required to buy high-risk insurance.

Liability Only $576
Full Coverage $1,352
High Risk $2,932

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,014
Small Cities $1,420
Large Cities $1,825

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than 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.

More Rate Information

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

  • The lowest rate with discounts is $793
  • Drivers who choose higher $1,000 deductibles will pay $150 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,352
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,638
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,932 or more
  • An auto insurance policy with full coverage for a teenage driver with full coverage can cost $5,296 a year

View Chart as Image

Toyota Camry Hybrid insurance cost comparison chart
Column chart showing full coverage Toyota Camry Hybrid insurance rates range from $793 to $5,296

Insurance prices for a Toyota Camry Hybrid also have a wide range based on the model of your Camry Hybrid, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $440 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

Where you choose to live 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 as much as $1,820 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 $1,220 -$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%

View Chart as Image

Toyota Camry Hybrid insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company uses a different rate calculation, and prices will be substantially different between companies.

Toyota Camry Hybrid Insurance Rates by Model Year
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 Buy the Cheapest Toyota Camry Hybrid Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a recap of the data touched on in this article.

  • Consumers who purchase higher liability limits will pay about $570 annually to go from 30/60 bodily injury limits to higher 250/500 limits
  • It is possible to save around $160 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $425 each year
  • Teens are the costliest to insure, with premiums being up to $441 per month if they have full coverage

Rates by Driver Age

Toyota Camry Hybrid Insurance 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

Toyota Camry Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,504
$500 $1,352
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Hybrid Insurance Rates with Different Liability Limits
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

Toyota Camry Hybrid Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $793

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

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