Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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U.S. average insurance rates for a Toyota Camry Hybrid are $1,352 a year for full coverage. Comprehensive insurance costs around $230 each year, collision costs $422, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing $2,932 or more. Teen drivers pay the highest rates at $5,296 a year or more.
Average premium for full coverage: $1,352
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Camry Hybrid models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Camry Hybrid insurance prices go from as low as $576 for just liability insurance to a high rate of $2,932 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above show why all drivers should get quotes for a specific zip code and risk profile, instead of using price averages.
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.
More Rate Details
The chart below shows estimated Toyota Camry Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $793
- Choosing higher $1,000 deductibles can save about $150 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,352
- Choosing low deductibles for comp and collision coverage will cost an extra $286 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,932 or more
- The price for full coverage for a teen driver can be $5,296 each year
Auto insurance prices for a Toyota Camry Hybrid are also quite variable based on your driving record, the trim level of your Camry Hybrid, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Camry Hybrid insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,930 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can save as much as $440 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Camry Hybrid | $306 | $600 | $440 | $1,526 |
| 2023 Toyota Camry Hybrid | $294 | $596 | $450 | $1,520 |
| 2022 Toyota Camry Hybrid | $284 | $582 | $470 | $1,516 |
| 2021 Toyota Camry Hybrid | $274 | $558 | $486 | $1,498 |
| 2019 Toyota Camry Hybrid | $250 | $500 | $510 | $1,440 |
| 2017 Toyota Camry Hybrid | $230 | $422 | $520 | $1,352 |
| 2016 Toyota Camry Hybrid | $214 | $388 | $520 | $1,302 |
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 Find More Affordable Toyota Camry Hybrid Insurance
Getting lower rates on car insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a summary of the data that was touched on in the above illustrations.
- Drivers can save up to $160 per year simply by quoting online in advance
- Policyholders who may need an increased level of liability coverage will pay about $570 each year to raise limits from a low limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $441 a month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,580 more every year than a safer driver
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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