Compare Toyota Camry Insurance Quotes [Everything You Need to Know]

Average car insurance rates for a Toyota Camry cost $1,432 a year, or around $119 a month. Mature drivers with good driving records may find rates as low as $842 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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Key takeaways:

  • Full coverage costs around $1,432 a year or $119 each month
  • A liability-only policy costs around $574 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,234 a year or $436 each month
  • Good drivers can save as much as $590 a year by earning policy discounts
  • Toyota Camry insurance costs around $87 less per year than the average vehicle

Don’t stress about Toyota Camry insurance rates. Good drivers can save as much as $590 a year by earning policy discounts. Read on to learn more about savings and insurance rates for a Toyota Camry.

You can start comparing quotes for Toyota Camry car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Camry Insurance Cost

The average Toyota Camry car insurance costs are $1,432 a year or $119 a month.

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Are Toyota Camrys Expensive to Insure?

The chart below details how Toyota Camry insurance rates compare to other sedans like the Subaru WRX, Ford Taurus, and Hyundai Sonata.

Vehicle Comprehensive Collision Liability Total
Toyota Camry $308 $594 $372 $1,432
Subaru WRX $320 $566 $338 $1,360
Ford Taurus $344 $596 $398 $1,496
Hyundai Sonata $294 $532 $420 $1,426
Kia Optima $322 $532 $420 $1,454
Cadillac CTS $320 $626 $398 $1,502
Dodge Charger $376 $626 $466 $1,668
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Camry Insurance?

The Toyota Camry trim and model you choose can impact the total price you will pay for Toyota Camry auto insurance coverage.

Age of the Vehicle

Older Toyota Camry models generally cost less to insure. For example, car insurance rates for a 2020 Toyota Camry are $1,432, while 2010 Toyota Camry rates are $1,166, a difference of $266.

Model Year Comprehensive Collision Liability Total
2020 Toyota Camry $308 $594 $372 $1,432
2019 Toyota Camry $294 $570 $390 $1,412
2018 Toyota Camry $282 $566 $398 $1,404
2017 Toyota Camry $272 $552 $416 $1,398
2016 Toyota Camry $262 $530 $430 $1,380
2015 Toyota Camry $248 $512 $442 $1,360
2014 Toyota Camry $238 $474 $452 $1,322
2013 Toyota Camry $230 $446 $456 $1,290
2012 Toyota Camry $220 $400 $460 $1,238
2011 Toyota Camry $206 $368 $460 $1,192
2010 Toyota Camry $198 $346 $464 $1,166
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Driver Age

Driver age can have a significant impact on Toyota Camry auto insurance rates. For example, 20-year-old drivers pay approximately $1,751 more each year for their Toyota Camry auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Camry insurance rates. For example, drivers in New York may pay $874 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Camry car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Camry car insurance with violations on their driving record.

Toyota Camry Safety Ratings

Your Toyota Camry car insurance rates are tied to the safety ratings of the Toyota Camry. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota Camry Crash Test Ratings

Good Toyota Camry crash test ratings can lower your Toyota Camry auto insurance rates. See Toyota Camry crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota Camry Hybrid 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2019 Toyota Camry 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Toyota Camry Hybrid 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Toyota Camry 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Toyota Camry HV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Toyota Camry 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Camry HV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Camry 4 DR FWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Camry Safety Features

Good Toyota Camry safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Toyota Camry are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Toyota Camry Insurance Loss Probability

The lower percentage means lower Toyota Camry car insurance rates; higher percentages mean higher Toyota Camry auto insurance rates. Insurance loss probability on the Toyota Camry fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 10%
Property Damage -6%
Comprehensive 2%
Personal Injury 48%
Medical Payment 45%
Bodily Injury 7%
Source: Insurance Institute for Highway Safety
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Toyota Camry Finance and Insurance Cost

If you are financing a Toyota Camry, you will pay more if you purchase Toyota Camry auto insurance at the dealership, so be sure to shop around and compare Toyota Camry auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Toyota Camry Insurance

Although it may seem like your Toyota Camry car insurance rates are set, there are a few measures that you can take to secure the best Toyota Camry car insurance rates possible. Take a look at the following five ways to save on Toyota Camry auto insurance.

  • Add a More Experienced Driver to Your Toyota Camry Policy
  • Pay Your Bills On Time — Especially Toyota Camry Payments and Insurance
  • Check Your Toyota Camry Policy Carefully to Ensure All Information is Correct
  • Spy on Your Teen Driver
  • Get Married and Ask for a Discount

Top Toyota Camry Insurance Companies

Several top car insurance companies offer competitive rates for the Toyota Camry rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Toyota Camry drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Camry Insurance Quotes Online

You can start comparing quotes for Toyota Camry car insurance rates from some of the best car insurance companies by using our free online tool now.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
4
0
0
2014
5
4
5
5
2013
5
4
5
5
2012
5
4
5
5
2011
3
4
4
4

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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