Toyota Camry Hybrid Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive insurance costs on average $214 each year, collision insurance costs $388, and liability insurance is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $2,826 or more. Teenage drivers cost the most to insure at up to $5,142 a year.
Average premium for full coverage: $1,302
Policy rates by type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Camry Hybrid models.
Price Range Variability
For the normal driver, Toyota Camry Hybrid insurance rates range from as low as $576 for a discount liability-only rate to a high rate of $2,826 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $767
- Raising to $1,000 deductibles will save around $138 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,302
- Using low deductibles will cost an extra $266 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,826
- Policy cost for full coverage for a teen driver may cost $5,142
Insurance rates for a Toyota Camry Hybrid also range considerably based on your risk profile, the model of your Camry Hybrid, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age
Your home state also has a big influence on Toyota Camry Hybrid insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,860 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce rates by up to $410 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more each 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 likely paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates
| 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 Best Cheap Toyota Camry Hybrid Insurance
Finding cheaper rates on Toyota Camry Hybrid insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to compare rates at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick review of the car insurance concepts presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,520 more each year to insure their Camry Hybrid
- You may be able to save as much as $150 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $400 each year
- Drivers who require more liability coverage will pay an extra $570 per year to raise from a 30/60 limit to 250/500 limits
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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