Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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Average insurance rates for a Toyota Camry Hybrid are $1,404 a year including full coverage. Comprehensive insurance costs an estimated $240, collision costs $470, and liability costs $514. A policy with just liability insurance costs as little as $572 a year, with coverage for high-risk drivers costing $3,058 or more. 16-year-old drivers receive the highest rates at $5,478 a year or more.
Average premium for full coverage: $1,404
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Camry Hybrid models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $572 for your basic liability-only policy to the much higher price of $3,058 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects insurance prices.
These examples highlight why everyone should compare rates for a targeted area, instead of using rate 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 Information
The chart below breaks down estimated Toyota Camry Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $816
- Drivers who choose higher $1,000 deductibles will pay approximately $162 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,404
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $314 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,058 or more
- The cost that insures a teen driver for full coverage can cost as much as $5,478 a year
Insurance rates for a Toyota Camry Hybrid can also vary considerably based on the model of your Camry Hybrid, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,400 additional per year, depending on your age. Toyota Camry Hybrid insurance for high-risk drivers can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age
Where you live makes a big difference in Toyota Camry Hybrid insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,000 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$136 | -9.7% |
| Alaska | $1,076 | -$328 | -23.4% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,598 | $194 | 13.8% |
| Colorado | $1,338 | -$66 | -4.7% |
| Connecticut | $1,440 | $36 | 2.6% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,758 | $354 | 25.2% |
| Georgia | $1,298 | -$106 | -7.5% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,244 | -$160 | -11.4% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,684 | $280 | 19.9% |
| New Hampshire | $1,010 | -$394 | -28.1% |
| New Jersey | $1,572 | $168 | 12.0% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,478 | $74 | 5.3% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$68 | -4.8% |
| Rhode Island | $1,872 | $468 | 33.3% |
| South Carolina | $1,272 | -$132 | -9.4% |
| South Dakota | $1,184 | -$220 | -15.7% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,690 | $286 | 20.4% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Opting for high physical damage deductibles could save up to $480 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Camry Hybrid | $322 | $626 | $420 | $1,548 |
| 2023 Toyota Camry Hybrid | $306 | $600 | $440 | $1,526 |
| 2022 Toyota Camry Hybrid | $294 | $596 | $450 | $1,520 |
| 2021 Toyota Camry Hybrid | $284 | $582 | $470 | $1,516 |
| 2019 Toyota Camry Hybrid | $260 | $538 | $500 | $1,478 |
| 2017 Toyota Camry Hybrid | $240 | $470 | $514 | $1,404 |
| 2016 Toyota Camry Hybrid | $230 | $422 | $520 | $1,352 |
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 Affordable Toyota Camry Hybrid Insurance
Saving money on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following list is a brief review of the coverage data touched on in the above illustrations.
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $475 each year
- Drivers age 16 to 20 are expensive to insure, as much as $457 per month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,650 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,478 |
| 20 | $3,268 |
| 30 | $1,446 |
| 40 | $1,404 |
| 50 | $1,288 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,718 |
| $250 | $1,570 |
| $500 | $1,404 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,507 |
| 100/300 | $1,635 |
| 250/500 | $1,969 |
| 100 CSL | $1,558 |
| 300 CSL | $1,841 |
| 500 CSL | $2,047 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,786 |
| 20 | $5,212 |
| 30 | $3,106 |
| 40 | $3,058 |
| 50 | $2,922 |
| 60 | $2,896 |
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 | $73 |
| Multi-vehicle | $76 |
| Homeowner | $23 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $60 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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