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.
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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 | |||
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.