Toyota Camry Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance rates for a Toyota Camry Hybrid are $1,404 a year for full coverage. Comprehensive costs approximately $240 a year, collision insurance costs $470, and liability insurance is estimated at $514. A liability-only policy costs approximately $572 a year, and high-risk insurance costs around $3,058. Teen drivers cost the most to insure at up to $5,478 a year.
Average premium for full coverage: $1,404
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Camry Hybrid trim levels.
Price Range Variability
For the normal driver, Toyota Camry Hybrid insurance rates range from the low end price of $572 for the bare minimum liability coverage to a high of $3,058 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.
The examples above show why it is important to get quotes using their specific location, rather than relying on 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.
Additional Rate Information
The chart below shows average Toyota Camry Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $816
- Choosing higher $1,000 deductibles can save $1,242 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,404
- Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,718
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,058
- Policy cost that insures a teen driver can cost $5,478 each year
Car insurance rates for a Toyota Camry Hybrid also range considerably based on the trim level of your Camry Hybrid, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Camry Hybrid insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,000 on average in New York, Louisiana, 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% |
Choosing high deductibles can save as much as $480 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit
| 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
Finding cheaper rates on Toyota Camry Hybrid insurance takes avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Shop around at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.
The list below is a brief review of the concepts that were presented in the illustrations above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year for car insurance
- Teenagers pay the highest auto insurance rates, costing up to $457 each month if full coverage is purchased
- Drivers can save around $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Drivers can save around $170 per year just by quoting early and online
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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