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Toyota Camry Car Insurance

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Key Takeaways

  • Insurance for a Toyota Camry will cost on average $1514 annually or $126 per month.
  • The Toyota Camry LE trim level is the cheapest to insure, costing roughly $1414 per year.
  • The Toyota Camry XSE Hybrid trim level is the costliest to insure, with the annual premium being $1658/year.
  • The cheapest coverage for the Toyota Camry with minimum insurance starts at $870/year.

Toyota Camry auto insurance cost

The Toyota Camry is quite possibly one of the most affordable mid-size sedans in the market today. However, if you plan on owning your Camry for a long while, you can’t afford to skimp on your Camry insurance!

On average, Toyota Camry insurance will cost $1514 per year, which is $121 lower than the national average of $1635 per year. So, in a way, it is both affordable to buy and insure!

Rather than applying to each insurance provider, it is much easier to compare free quotes from multiple providers. Get a free quote for your Toyota in just minutes and compare offers from top auto insurance companies easily using

Are Toyota Camrys expensive to insure?

The Toyota Camry is a mid-size, family sedan that has great resale value and is extremely dependable on the road. The price range for the vehicle lies between $26,000-$35,000 – but are the insurance costs in a comparable range as well?

The Toyota Camry is probably one of the most affordable vehicles to insure in the family sedan/mid-size car category. The average cost of insuring a Toyota Camry in the US amounts to roughly $1514/year, which is $121 cheaper than the national average premium.

It costs almost $300 less to insure per year than the most expensive mid-size car to insure in this segment, the Kia Stinger.

Make/Model Insurance Cost
Subaru Legacy $1,492
Honda Insight $1,494
Kia K5 $1,510
Toyota Camry $1,514
Volkswagen Passat $1,520
Mazda 6 $1,530
Chevrolet Malibu $1,596
Toyota Camry $1,600
Tesla Model 3 $1,614
Volkswagen Arteon $1,672
Nissan Altima $1,718
Hyundai Sonata $1,748
Kia Stinger $1,810

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What impacts the cost of Toyota Camry auto insurance?

Though Toyota insurance is affordable, the premiums can vary based on several factors like:

  • The driver’s age
  • The driver’s gender
  • The city you are in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

People without driving records (like teens and young adults) are at a disadvantage because insurance companies cannot gauge their safety behind the wheel. Therefore, it is likely that young drivers will be charged higher premiums for Toyota Camry insurance.

A Toyota Camry owner in his 20s may be charged as much as $2990/year compared to a 50-year-old who’ll have a premium of $1378/year.

Age of Driver Average Annual Rate
Age 20 $2990
Age 30 $1596
Age 40 $1514
Age 50 $1378
Age 60 $1354

Model year / age of the car

Older Toyota Camry models will generally cost lesser to insure, because have different features that may either have been changed or are less likely to be stolen. Newer models have more value on the market and also cost more to repair, so will be costlier to insure.

The average auto insurance premium for a 2022 Toyota Camry is $1532/year compared to $1480/year for a 2018 model.

Model Year Average Annual Rate Monthly Rate
2022 Toyota Camry $1532 $128
2021 Toyota Camry $1512 $126
2020 Toyota Camry $1504 $125
2019 Toyota Camry $1498 $125
2018 Toyota Camry $1480 $123

Trim level

The Toyota Camry has eight standard trim levels and five hybrid trims – that's quite a lot to choose from! The Camry LE trim level is the cheapest to insure – they will only cost you $1414/year on average. The XSE Hybrid is the costliest to insure at $1658/year.

Toyota Camry Trim Level Annual Rate Monthly Rate
LE $1,414 $118
XLE $1,420 $118
XLE AWD $1,436 $120
LE AWD $1,454 $121
SE $1,466 $122
SE AWD $1,480 $123
SE Nightshade Edition $1,482 $124
SE Nightshade Edition AWD $1,498 $125
XSE $1,500 $125
XSE AWD $1,514 $126
XLE V6 $1,516 $126
LE Hybrid $1,540 $128
XSE V6 $1,546 $129
TRD $1,556 $130
SE Hybrid Nightshade Edition $1,584 $132
XLE Hybrid $1,652 $138
XSE Hybrid $1,658 $138

City you are located in

If you live in a large metropolis, chances are there’ll be more accidents or car burglaries. This can influence the premiums offered to you as a Toyota Camry owner. Certain ZIP codes can be extremely expensive to insure depending on the crimes rate and possibility of theft/burglary.

The highest Toyota Camry premiums are found in Los Angeles and New York.

City Average Annual Rate
Los Angeles, CA $2461
New York, NY $2275
Houston, TX $2256
Jacksonville, FL $2088
Philadelphia, PA $1931
Chicago, IL $1902
Phoenix, AZ $1672
Seattle, WA $1402
Indianapolis, IN $1229
Columbus, OH $1204

Insurance company

Based on the research done by the team, Allied Insurance offers the cheapest Toyota Camry insurance deals averaged across all states, with a premium of $870/year.

Company Annual Rate
Allied $870
Nationwide $1219
Erie $1302
USAA $1398
State Farm $1398
Tennessee Farmers $1402
American Family $1497
21st Century $1500
Country $1512
Arbella $1541

How much is Toyota Camry auto insurance for recent models?

There may be slight differences in the Camry insurance premium for different models based on their year. The average auto insurance premium for a 30-year-old driver with a recent Toyota Camry model is as follows:

  • A 2022 Toyota Camry will cost roughly $1532 per year to insure.
  • A 2021 Toyota Camry will cost $1512 per year to insure.
  • A 2020 Toyota Camry insurance premium costs on average $1504 per year.

Toyota Camry crash test ratings

Vehicle Year Overall Rating Front Driver and Passenger Side Driver and Passenger Rollover
2022 Toyota Camry Hybrid 5 stars 5 stars 5 stars 5 stars
2021 Toyota Camry Hybrid 5 stars 5 stars 5 stars 5 stars
2020 Toyota Camry Hybrid 5 stars 5 stars 5 stars 5 stars
2019 Toyota Camry Hybrid 5 stars 5 stars 5 stars 5 stars
2019 Toyota Camry Hybrid 5 stars 5 stars 5 stars 5 stars

Toyota Camry safety features

You can reduce your auto insurance by ensuring the Camry you have is well-equipped with safety features. Some of the installed features include:

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

Toyota Camry safety ratings

IIHS Safety Test Type Safety Rating
Head restraints and seats Good
Roof strength Good
Side strength Good
Moderate overlap front Good
Small overlap front: passenger side Good
Small overlap front: driver-side Good

Toyota Camry insurance loss probability

Insurance Coverage Category Loss Rate
Collision 11%
Property Damage -7%
Comprehensive 2%
Personal Injury 49%
Medical Payment 46%
Bodily Injury 8%

Ways to save on Toyota Camry car insurance

  • Be a safe driver: Insurance companies don’t take kindly to rash driving, traffic violations, and at-fault accidents – all of these can make you riskier to insure and increase your premiums.
  • Improve your credit score before applying: Applicants with excellent credit scores can save as much as $250 or more yearly compared to those with lower credit scores of 670-740.
  • Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Toyota Camry.
  • Ask for relevant discounts: Ask for loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.

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How do I find the best Toyota Camry car insurance rates?

  • Always apply for free insurance quotes from several companies before choosing a plan. You can obtain as many free quotes as you'd like, after all!
  • When looking for the best auto insurance policy, your slogan should be "compare, compare, compare."
  • In only a few minutes, an insurance aggregator like can help you find the lowest insurance rates you've qualified for with your financial position.
  • The cheapest rates don’t always mean the best! It is usually preferable to spend a little more money up front to acquire more coverage.

How to get Toyota Camry auto insurance with

Simply download the app or head to the website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Toyota Camry – all in as little as 45 seconds!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions (FAQ)

Are Toyota Camrys expensive to insure?

No, the Toyota Camry is one of the most affordable cars to insure in the sedan segment. Yearly premiums can be as low as $1414 depending on the trim level you choose.

How much does it cost to insure a Toyota Camry?

Depending on the trim level of the vehicle, Toyota Camry auto insurance can range from $1414-$1658 per year.

Is a Toyota Camry cheap to insure?

Though not the cheapest car to insure in its segment, the Toyota Camry is still pretty cheap when considering other sedans. It is almost $300 cheaper to insure than the most expensive car in its category, the Kia Stinger.

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