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How to Find Cheap Toyota Camry Insurance Quotes

The cost of Toyota Camry auto insurance rates are $1,432 a year, or around $119 a month on average. Shop around to find cheap Toyota Camry insurance rates. On average, Toyota Camry comprehensive insurance coverage costs $349, collision coverage costs $509, and liability coverage costs $404.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 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

Toyota Camry insurance rates are about $87 less annually than the average vehicle with full coverage costing around $1,432 a year or $119 a month. Owners of an older Toyota Camry may opt for liability coverage only which costs around $574 a year or $48 a month.

Good drivers can save up to $590 a year in policy discounts by staying safe and courteous out on the road. Let’s take a closer look at Toyota Camry insurance rates, crash test ratings, and more.

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 auto 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 Cadillac CTS, Chrysler 300, and Honda Civic.

Vehicle Comprehensive Collision Liability Total
Toyota Camry $308 $594 $372 $1,432
Cadillac CTS $320 $626 $398 $1,502
Chrysler 300 $332 $626 $398 $1,514
Honda Civic $280 $656 $420 $1,536
Chevrolet Malibu $322 $532 $372 $1,384
Kia Optima $322 $532 $420 $1,454
Nissan Altima $306 $570 $390 $1,424

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 insurance coverage.

Age of the Vehicle

Older Toyota Camry models generally cost less to insure. For example, auto insurance for a 2020 Toyota Camry costs $1,432, while 2010 Toyota Camry insurance costs 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 the cost of Toyota Camry auto insurance. For example, 20-year-old drivers pay as much as $1,814 more each year for their Toyota Camry auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Camry insurance rates. For example, drivers in Phoenix may pay $788 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your Toyota Camry auto insurance rates. 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 mean the VW is safer, which could mean cheaper Toyota Camry car insurance rates.

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, most lenders will require your carry higher Toyota Camry coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Camry car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Toyota Camry Insurance

There are several ways you can save even more on your Toyota Camry car insurance rates. Take a look at the following five tips:

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Toyota Camry
  • Understand that Insurance Companies Can’t Change Your Toyota Camry Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Move to the Countryside
  • Save Money on Young Driver Toyota Camry Insurance By Mentioning Grades or GPA
  • Buy a Toyota Camry with an Anti-Theft Device

Top Toyota Camry Insurance Companies

The best auto insurance companies for Toyota Camry car insurance rates will offer competitive rates, discounts, and account for the Toyota Camry’s safety features. The following list of car insurance companies outlines which companies hold the highest 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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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