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 prices for a Toyota Camry Hybrid are $1,302 every 12 months including full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $388, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,826 or more. Teenage drivers cost the most to insure at $5,142 a year or more.
Average premium for full coverage: $1,302
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Camry Hybrid trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Camry Hybrid insurance rates go from the cheapest price of $576 for basic liability insurance to a high of $2,826 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location and their own driving history, 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.
Rate Comparisons
The chart below breaks down estimated Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $767
- Drivers who choose higher $1,000 deductibles will pay $1,164 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,302
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $266 a year
- High risk drivers who are prone to accidents and violations could pay around $2,826 or more
- Policy cost to insure a teen driver can cost $5,142 a year
Car insurance rates for a Toyota Camry Hybrid also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Camry Hybrid.
Using high physical damage deductibles could save up to $410 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Toyota Camry Hybrid insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,860 on average in Louisiana, New York, and Michigan.
| 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 who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Shop for the Best Toyota Camry Hybrid Insurance
Finding cheaper rates on Toyota Camry Hybrid insurance not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a brief recap of the ideas that were touched on in this article.
- Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $429 each month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations could be charged and average of $1,520 more per year to buy Toyota Camry Hybrid insurance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- You may be able to save around $150 per year simply by quoting early and online
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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