Toyota Camry Hybrid Insurance Rates

U.S. average insurance rates for a Toyota Camry Hybrid are $1,404 a year with full coverage. Comprehensive costs on average $240 a year, collision insurance costs $470, and liability costs around $514. Buying just liability costs as low as $572 a year, and insurance for high-risk drivers costs around $3,058. 16-year-old drivers pay the highest rates at up to $5,478 a year.

Average premium for full coverage: $1,404

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Camry Hybrid trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details average Toyota Camry Hybrid insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $816
• Using higher $1,000 deductibles will save around $1,242 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,404
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,718
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,058
• The price for full coverage for a 16-year-old driver may cost $5,478 or more

View Chart as Image

Insurance prices for a Toyota Camry Hybrid are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Camry Hybrid insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $480 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than the average rate. View High Risk Driver Rates

How to Find Affordable Toyota Camry Hybrid Insurance

Getting lower rates on insurance for a Toyota Camry Hybrid requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The points below are a brief review of the data covered in the above illustrations.

• Insureds who require increased liability limits will pay around $570 every year to increase from a low limit to 250/500 limits
• You may be able to save as much as $170 per year just by quoting early and online
• Increasing physical damage deductibles can save around $475 each year
• Drivers under the age of 20 pay higher prices, costing up to $457 a month including comprehensive and collision insurance