Toyota Camry Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Average insurance prices for a Toyota Camry Hybrid are $1,404 every 12 months for full coverage. Comprehensive insurance costs around $240, collision costs $470, and liability coverage is estimated at $514. A liability-only policy costs approximately $572 a year, with high-risk insurance costing $3,058 or more. Teens receive the highest rates at $5,478 a year or more.

Average premium for full coverage: $1,404

Rate estimates for individual coverage type:

Comprehensive $240
Collision $470
Liability $514

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Camry Hybrid trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $572 for just liability insurance to a much higher rate of $3,058 for a driver who has had serious violations or accidents.

Liability Only $572
Full Coverage $1,404
High Risk $3,058

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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 Details

The chart below shows estimated Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $816
  • Choosing higher $1,000 deductibles can save about $162 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,404
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $314 each year
  • Drivers with serious driving violations could pay at least $3,058 or more
  • The cost to insure a teenage driver with full coverage can be $5,478 each year

View Chart as Image

Toyota Camry Hybrid insurance cost comparison chart
Column chart showing full coverage Toyota Camry Hybrid insurance prices range from $816 to $5,478

Insurance rates for a Toyota Camry Hybrid can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $462 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Camry Hybrid insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.

Toyota Camry Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$136 -9.7%
Alaska $1,076 -$328 -23.4%
Arizona $1,166 -$238 -17.0%
Arkansas $1,404 -$0 0.0%
California $1,598 $194 13.8%
Colorado $1,338 -$66 -4.7%
Connecticut $1,440 $36 2.6%
Delaware $1,588 $184 13.1%
Florida $1,758 $354 25.2%
Georgia $1,298 -$106 -7.5%
Hawaii $1,008 -$396 -28.2%
Idaho $950 -$454 -32.3%
Illinois $1,044 -$360 -25.6%
Indiana $1,058 -$346 -24.6%
Iowa $948 -$456 -32.5%
Kansas $1,332 -$72 -5.1%
Kentucky $1,914 $510 36.3%
Louisiana $2,078 $674 48.0%
Maine $868 -$536 -38.2%
Maryland $1,158 -$246 -17.5%
Massachusetts $1,122 -$282 -20.1%
Michigan $2,436 $1,032 73.5%
Minnesota $1,174 -$230 -16.4%
Mississippi $1,682 $278 19.8%
Missouri $1,244 -$160 -11.4%
Montana $1,510 $106 7.5%
Nebraska $1,106 -$298 -21.2%
Nevada $1,684 $280 19.9%
New Hampshire $1,010 -$394 -28.1%
New Jersey $1,572 $168 12.0%
New Mexico $1,242 -$162 -11.5%
New York $1,478 $74 5.3%
North Carolina $808 -$596 -42.5%
North Dakota $1,150 -$254 -18.1%
Ohio $970 -$434 -30.9%
Oklahoma $1,440 $36 2.6%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,336 -$68 -4.8%
Rhode Island $1,872 $468 33.3%
South Carolina $1,272 -$132 -9.4%
South Dakota $1,184 -$220 -15.7%
Tennessee $1,228 -$176 -12.5%
Texas $1,690 $286 20.4%
Utah $1,038 -$366 -26.1%
Vermont $962 -$442 -31.5%
Virginia $840 -$564 -40.2%
Washington $1,082 -$322 -22.9%
West Virginia $1,288 -$116 -8.3%
Wisconsin $972 -$432 -30.8%
Wyoming $1,250 -$154 -11.0%

View Chart as Image

Toyota Camry Hybrid insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so the rates can be significantly different.

Toyota Camry Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Camry Hybrid $322 $626 $420 $1,548
2023 Toyota Camry Hybrid $306 $600 $440 $1,526
2022 Toyota Camry Hybrid $294 $596 $450 $1,520
2021 Toyota Camry Hybrid $284 $582 $470 $1,516
2019 Toyota Camry Hybrid $260 $538 $500 $1,478
2017 Toyota Camry Hybrid $240 $470 $514 $1,404
2016 Toyota Camry Hybrid $230 $422 $520 $1,352

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

Saving money on auto insurance takes being safe and accident-free, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the ideas that were presented in the illustrations above.

  • Youthful drivers pay higher rates, costing as high as $457 per month if they have full coverage
  • Drivers who tend to receive serious violations may pay on average $1,650 more every year than a low-risk driver
  • Increasing deductibles could save as much as $475 each year
  • Drivers can save up to $170 per year simply by shopping early and online

Rates by Driver Age

Toyota Camry Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,478
20 $3,268
30 $1,446
40 $1,404
50 $1,288
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Toyota Camry Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,718
$250 $1,570
$500 $1,404
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Toyota Camry Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,507
100/300 $1,635
250/500 $1,969
100 CSL $1,558
300 CSL $1,841
500 CSL $2,047

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Camry Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,786
20 $5,212
30 $3,106
40 $3,058
50 $2,922
60 $2,896

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 $198

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $76
Homeowner $23
5-yr Accident Free $99
5-yr Claim Free $91
Paid in Full/EFT $60
Advance Quote $68
Online Quote $98
Total Discounts $588
Rate after discounts $816

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

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