Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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Average auto insurance rates for a Toyota Camry Hybrid are $1,352 annually for full coverage insurance. Comprehensive insurance costs on average $230 a year, collision costs $422, and liability insurance costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $2,932 or more. Teenage drivers receive the highest rates at $5,296 a year or more.
Average premium for full coverage: $1,352
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Camry Hybrid trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $576 for the bare minimum liability coverage to a high of $2,932 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on car insurance rates.
These examples illustrate why it is important to compare rates based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below illustrates estimated Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $793
- Drivers who choose higher $1,000 deductibles will pay around $1,202 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,352
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $286 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $2,932 or more
- The cost with full coverage for a teen driver may cost $5,296 a year
Car insurance rates for a Toyota Camry Hybrid can also vary considerably based on the trim level of your Camry Hybrid, your risk profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $440 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Camry Hybrid insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,820 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$132 | -9.8% |
| Alaska | $1,036 | -$316 | -23.4% |
| Arizona | $1,122 | -$230 | -17.0% |
| Arkansas | $1,352 | -$0 | 0.0% |
| California | $1,538 | $186 | 13.8% |
| Colorado | $1,288 | -$64 | -4.7% |
| Connecticut | $1,388 | $36 | 2.7% |
| Delaware | $1,528 | $176 | 13.0% |
| Florida | $1,688 | $336 | 24.9% |
| Georgia | $1,248 | -$104 | -7.7% |
| Hawaii | $968 | -$384 | -28.4% |
| Idaho | $916 | -$436 | -32.2% |
| Illinois | $1,004 | -$348 | -25.7% |
| Indiana | $1,018 | -$334 | -24.7% |
| Iowa | $910 | -$442 | -32.7% |
| Kansas | $1,282 | -$70 | -5.2% |
| Kentucky | $1,840 | $488 | 36.1% |
| Louisiana | $2,000 | $648 | 47.9% |
| Maine | $834 | -$518 | -38.3% |
| Maryland | $1,114 | -$238 | -17.6% |
| Massachusetts | $1,078 | -$274 | -20.3% |
| Michigan | $2,342 | $990 | 73.2% |
| Minnesota | $1,130 | -$222 | -16.4% |
| Mississippi | $1,618 | $266 | 19.7% |
| Missouri | $1,198 | -$154 | -11.4% |
| Montana | $1,450 | $98 | 7.2% |
| Nebraska | $1,064 | -$288 | -21.3% |
| Nevada | $1,622 | $270 | 20.0% |
| New Hampshire | $974 | -$378 | -28.0% |
| New Jersey | $1,510 | $158 | 11.7% |
| New Mexico | $1,196 | -$156 | -11.5% |
| New York | $1,424 | $72 | 5.3% |
| North Carolina | $778 | -$574 | -42.5% |
| North Dakota | $1,108 | -$244 | -18.0% |
| Ohio | $930 | -$422 | -31.2% |
| Oklahoma | $1,386 | $34 | 2.5% |
| Oregon | $1,236 | -$116 | -8.6% |
| Pennsylvania | $1,286 | -$66 | -4.9% |
| Rhode Island | $1,802 | $450 | 33.3% |
| South Carolina | $1,224 | -$128 | -9.5% |
| South Dakota | $1,140 | -$212 | -15.7% |
| Tennessee | $1,178 | -$174 | -12.9% |
| Texas | $1,626 | $274 | 20.3% |
| Utah | $998 | -$354 | -26.2% |
| Vermont | $924 | -$428 | -31.7% |
| Virginia | $808 | -$544 | -40.2% |
| Washington | $1,044 | -$308 | -22.8% |
| West Virginia | $1,236 | -$116 | -8.6% |
| Wisconsin | $934 | -$418 | -30.9% |
| Wyoming | $1,202 | -$150 | -11.1% |
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
| 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 Buy Cheaper Toyota Camry Hybrid Insurance
Saving money on Toyota Camry Hybrid insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a condensed summary of the primary concepts that were touched on in this article.
- It is possible to save as much as $160 per year simply by quoting early and online
- High-risk drivers with multiple at-fault accidents may pay on average $1,580 more each year to buy Toyota Camry Hybrid insurance
- Increasing deductibles could save up to $425 each year
- Drivers age 20 and younger are expensive to insure, costing up to $441 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,296 |
| 20 | $3,130 |
| 30 | $1,388 |
| 40 | $1,352 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,504 |
| $500 | $1,352 |
| $1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,352 |
| 50/100 | $1,456 |
| 100/300 | $1,586 |
| 250/500 | $1,924 |
| 100 CSL | $1,508 |
| 300 CSL | $1,794 |
| 500 CSL | $2,002 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,516 |
| 20 | $4,994 |
| 30 | $2,976 |
| 40 | $2,932 |
| 50 | $2,804 |
| 60 | $2,780 |
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 | $70 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $559 |
Discounts are estimated and may not be available from every company or in every state.
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