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 auto insurance rates for a Toyota Camry Hybrid are $1,302 annually including full coverage. Comprehensive costs around $214 a year, collision costs $388, and liability is $520. A liability-only policy costs around $576 a year, with high-risk 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 for type of insurance:
Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Camry Hybrid trim levels.
Price Range Variability
For a driver in their 40's, Toyota Camry Hybrid insurance rates go from as cheap as $576 for liability-only coverage to a high of $2,826 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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 Charts and Tables
The chart below breaks down estimated Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $767
- Raising to $1,000 deductibles will save about $1,164 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,302
- Choosing low $100 deductibles will cost $1,568
- Drivers with multiple violations and an at-fault accident could pay at least $2,826 or more
- Policy cost with full coverage for a 16-year-old driver can be $5,142
Car insurance rates for a Toyota Camry Hybrid also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $410 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Camry Hybrid insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| 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 Buy Low Cost Toyota Camry Hybrid Insurance
Finding cheaper rates on insurance for a Toyota Camry Hybrid consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a review of the information covered in the charts and tables above.
- You may be able to save up to $150 per year simply by quoting early and online
- Teens are the costliest to insure, with premiums being up to $429 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,520 more every year for Camry Hybrid insurance
- Insureds who may need higher liability limits will pay about $570 per year to raise from a 30/60 limit to higher 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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