Toyota Camry Hybrid Insurance Rates

U.S. average insurance rates for a Toyota Camry Hybrid are $1,302 a year with full coverage. Comprehensive insurance costs approximately $214 each year, collision insurance costs $388, and liability coverage is estimated at $520. Buying just liability costs approximately $576 a year, and insurance for high-risk drivers costs $2,826 or more. Teen drivers pay the highest rates at up to $5,142 a year.

Average premium for full coverage: $1,302

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Camry Hybrid models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details average Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $767
• Choosing higher $1,000 deductibles can save $138 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,302
• Choosing low deductibles for comp and collision coverage will cost an extra $266 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,826
• The price for full coverage for a teenage driver can cost $5,142 each year

View Chart as Image

Insurance prices for a Toyota Camry Hybrid are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Camry Hybrid insurance rates. A good driver about age 40 could pay 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.

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Choosing high deductibles can save as much as $410 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 137% more than average. View High Risk Driver Rates

How to Find Low Cost Toyota Camry Hybrid Insurance

Getting lower rates on auto insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a review of the data illustrated above.

• Consumers who purchase additional liability coverage will pay about $570 every year to raise limits from a low limit to 250/500 limits
• You may be able to save around $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $400 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $429 a month including comprehensive and collision insurance