Toyota Camry XLE Insurance Rates

Estimated insurance prices for a Toyota Camry XLE are $1,438 every 12 months with full coverage. Comprehensive costs around $312, collision insurance costs $604, and liability costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs around $3,114. Teenage drivers pay the most at up to $5,298 a year.

Annual premium for full coverage: $1,438

Premium estimates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Camry Trim Level

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Camry XLE also have a wide range based on physical damage deductibles and liability limits, your driving record, and the actual cash value of your Camry.

Using high physical damage deductibles could save up to $620 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Camry XLE insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out your exact price is to compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be substantially different.

View Chart as Image

The chart above shows Toyota Camry XLE insurance rates for various coverage choices and risks. The cheapest discount rate is $819. Drivers who use higher $1,000 deductibles will pay $1,230. The average rate for a driver age 40 with no violations using $500 deductibles is $1,438. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,842. Drivers with multiple violations and accidents could be charged up to $3,114. The price for full coverage insurance for a 16-year-old driver is $5,298.

View Chart as Image