How Much is Insurance on a Toyota Camry?

Toyota Camry insurance rates cost $1,432 a year, or around $119 a month. Good drivers can save as much as $2,208 a year over high-risk drivers.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 2020

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Key takeaways:

  • Full coverage costs around $1,432 a year or $119 each month
  • A liability-only policy costs around $574 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,234 a year or $436 each month
  • Good drivers can save as much as $590 a year by earning policy discounts
  • Toyota Camry insurance costs around $87 less per year than the average vehicle

Toyota Camry insurance rates cost $119 per month for full coverage and $48 per month for liability-only coverage. Continue reading to learn how good drivers can save up to $600 on Toyota Camry insurance rates.

You can start comparing quotes for Toyota Camry auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Toyota Camry Insurance Cost

The average Toyota Camry auto insurance costs are $1,432 a year or $119 a month.

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Are Toyota Camrys Expensive to Insure?

The chart below details how Toyota Camry insurance rates compare to other sedans like the Chevrolet Cruze, Ford Taurus, and Hyundai Sonata.

Vehicle Comprehensive Collision Liability Total
Toyota Camry $308 $594 $372 $1,432
Chevrolet Cruze $308 $594 $372 $1,432
Ford Taurus $344 $596 $398 $1,496
Hyundai Sonata $294 $532 $420 $1,426
Audi A3 $282 $566 $398 $1,404
Infiniti Q50 $344 $686 $398 $1,586
Ford Focus $244 $536 $398 $1,336
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Camry Insurance?

The Toyota Camry trim and model you choose can impact the total price you will pay for Toyota Camry auto insurance coverage.

Age of the Vehicle

The average Toyota Camry auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Toyota Camry costs $1,432, while 2010 Toyota Camry insurance costs are $1,166, a difference of $266.

Model Year Comprehensive Collision Liability Total
2020 Toyota Camry $308 $594 $372 $1,432
2019 Toyota Camry $294 $570 $390 $1,412
2018 Toyota Camry $282 $566 $398 $1,404
2017 Toyota Camry $272 $552 $416 $1,398
2016 Toyota Camry $262 $530 $430 $1,380
2015 Toyota Camry $248 $512 $442 $1,360
2014 Toyota Camry $238 $474 $452 $1,322
2013 Toyota Camry $230 $446 $456 $1,290
2012 Toyota Camry $220 $400 $460 $1,238
2011 Toyota Camry $206 $368 $460 $1,192
2010 Toyota Camry $198 $346 $464 $1,166
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Driver Age

Driver age can have a significant impact on the cost of Toyota Camry auto insurance. For example, 20-year-old drivers pay as much as $1,814 more each year for their Toyota Camry auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Camry insurance rates. For example, drivers in New York may pay $874 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Camry auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Camry auto insurance with violations on their driving record.

Toyota Camry Safety Ratings

Your Toyota Camry auto insurance rates are tied to the safety ratings of the Toyota Camry. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota Camry Crash Test Ratings

Good Toyota Camry crash test ratings can lower your Toyota Camry auto insurance rates. See Toyota Camry crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota Camry Hybrid 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2019 Toyota Camry 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Toyota Camry Hybrid 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Toyota Camry 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Toyota Camry HV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Toyota Camry 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Camry HV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Camry 4 DR FWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Camry Safety Features

Having a variety of safety features on your Toyota Camry can help lower your Toyota Camry insurance costs. The Toyota Camry’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Toyota Camry Insurance Loss Probability

Insurance loss probability on the Toyota Camry fluctuates between each type of coverage. The lower percentage means lower Toyota Camry auto insurance rates; higher percentages mean higher Toyota Camry auto insurance rates.

Insurance Coverage Category Loss Rate
Collision 10%
Property Damage -6%
Comprehensive 2%
Personal Injury 48%
Medical Payment 45%
Bodily Injury 7%
Source: Insurance Institute for Highway Safety
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Toyota Camry Finance and Insurance Cost

If you are financing a Toyota Camry, you will pay more if you purchase Toyota Camry auto insurance at the dealership, so be sure to shop around and compare Toyota Camry auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Toyota Camry Insurance

Drivers can end up saving more money on their Toyota Camry auto insurance rates by employing any one of the following strategies.

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Ask for a Toyota Camry Discount If You Have College Degree or Higher
  • Buy An Older Toyota Camry
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Toyota Camry Insurance Companies

The best auto insurance companies for Toyota Camry auto insurance rates will offer competitive rates, discounts, and account for the Toyota Camry’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Camry Insurance Quotes Online

To start comparing Toyota Camry auto insurance quotes for free, use our online auto insurance comparison tool.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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