Estimates, not quotes

Toyota Camry Insurance Cost

Full coverage for a Toyota Camry costs about $1,735 a year ($145/month) by our estimate — ▲ +9% versus the average vehicle, ranking 188th cheapest of 310 current models.

Toyota Camry exterior (photo from Wikimedia Commons)
Photo: EurovisionNim, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Camry insurance cost at a glance

Full coverage
$1,735
$145/mo · $1,425–$2,050
Minimum liability
$670
$56/mo
Segment
Midsize car
Gasoline, Hybrid
HLDI collision losses
119
Worse than average (100 = avg)
NHTSA overall
★★★★★
2026 model year
NICB most stolen
#8
national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Camry.

Estimated Toyota Camry premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $670 $56 $550–$795
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $975 $81 $800–$1,150
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,735 $145 $1,425–$2,050

What drives the cost of insuring a Toyota Camry

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Camry's results put our vehicle factor at 1.09× for liability, 1.16× for collision and 1.09× for comprehensive.

HLDI relative insurance losses — Toyota Camry (Midsize Four-door cars)
CoverageIndexRatingWhat it measures
Collision119Worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive107Worse than averageTheft, vandalism, glass, weather and animal damage
Property damage liability104AverageDamage this car does to other vehicles and property
Bodily injury liability129Much worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection174Much worse than averageInjuries to occupants of this car (claim frequency)
Medical payments162Much worse than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (3)
VariantCollisionComprehensiveProp. damageBodily injury
Toyota Camry119107104129
Toyota Camry 4WD124109114117
Toyota Camry hybrid135112118139
  • Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
  • Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
  • Theft: #8 on the NICB national most-stolen list, which raises comprehensive premiums.
  • Recalls & complaints: 7 NHTSA recall campaigns and 341 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Camry trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
Camry HEV AWD LEAWD2.5L 4-cyl Hybrid50
Camry HEV AWD SE/XLEAWD2.5L 4-cyl Hybrid46
Camry HEV AWD XSEAWD2.5L 4-cyl Hybrid43
Camry HEV FF LEFWD2.5L 4-cyl Hybrid51
Camry HEV FF SE/XLE/XSEFWD2.5L 4-cyl Hybrid46

Toyota Camry insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20262.5L 4-cyl HybridAWD, FWD43–51$1,735
20252.5L 4-cyl HybridAWD, FWD44–51$1,700
20242.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylAWD, FWD25–52$1,665
20232.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylAWD, FWD25–52$1,630
20222.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylAWD, FWD25–52$1,595
20212.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylAWD, FWD25–52$1,555
20202.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylAWD, FWD25–52$1,520
20192.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD26–52$1,485
20182.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD26–52$1,450
20172.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD24–40$1,415
20162.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD25–40$1,375
20152.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD25–40$1,375
20142.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD25–40$1,375
20132.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD25–40$1,375
20122.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD24–40$1,375
20112.4L 4-cyl Hybrid, 2.5L 4-cyl, 3.5L 6-cylFWD23–33$1,375
20102.4L 4-cyl Hybrid, 2.5L 4-cyl, 3.5L 6-cylFWD23–34$1,375
20092.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD23–34$1,375
20082.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD22–34$1,375
20072.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD23–34$1,375

Toyota Camry insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Camry page for that state.

StateFull coverageMinimumvs. nationalCamry page
Alabama$1,515$525−13%Camry in AL
Alaska$1,520$685−12%Camry in AK
Arizona$1,820$725+5%Camry in AZ
Arkansas$1,535$490−12%Camry in AR
California$1,705$625−2%Camry in CA
Colorado$1,970$715+14%Camry in CO
Connecticut$1,845$780+6%Camry in CT
Delaware$1,935$880+12%Camry in DE
District of Columbia$2,190$815+26%Camry in DC
Florida$2,470$1,180+42%Camry in FL
Georgia$2,145$955+24%Camry in GA
Hawaii$1,200$475−31%Camry in HI
Idaho$1,180$440−32%Camry in ID
Illinois$1,505$545−13%Camry in IL
Indiana$1,235$445−29%Camry in IN
Iowa$1,180$340−32%Camry in IA
Kansas$1,390$440−20%Camry in KS
Kentucky$1,460$575−16%Camry in KY
Louisiana$2,400$865+38%Camry in LA
Maine$1,105$465−36%Camry in ME
Maryland$1,945$825+12%Camry in MD
Massachusetts$1,705$650−2%Camry in MA
Michigan$1,890$840+9%Camry in MI
Minnesota$1,450$515−16%Camry in MN
Mississippi$1,660$580−4%Camry in MS
Missouri$1,575$560−9%Camry in MO
Montana$1,390$430−20%Camry in MT
Nebraska$1,390$440−20%Camry in NE
Nevada$1,990$950+15%Camry in NV
New Hampshire$1,235$440−29%Camry in NH
New Jersey$2,085$1,025+20%Camry in NJ
New Mexico$1,560$570−10%Camry in NM
New York$2,325$1,020+34%Camry in NY
North Carolina$1,295$490−25%Camry in NC
North Dakota$1,115$300−36%Camry in ND
Ohio$1,240$445−29%Camry in OH
Oklahoma$1,565$515−10%Camry in OK
Oregon$1,555$685−10%Camry in OR
Pennsylvania$1,515$465−13%Camry in PA
Rhode Island$2,095$900+21%Camry in RI
South Carolina$1,855$800+7%Camry in SC
South Dakota$1,330$345−23%Camry in SD
Tennessee$1,445$495−17%Camry in TN
Texas$2,060$755+19%Camry in TX
Utah$1,575$715−9%Camry in UT
Vermont$1,130$350−35%Camry in VT
Virginia$1,495$685−14%Camry in VA
Washington$1,510$645−13%Camry in WA
West Virginia$1,450$475−16%Camry in WV
Wisconsin$1,190$410−31%Camry in WI
Wyoming$1,360$355−22%Camry in WY

Toyota Camry insurance by driver profile

Estimated annual Toyota Camry premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,850 $2,680 $4,775 $398
Young adult (22) $1,075 $1,560 $2,780 $232
Adult in their 30s $670 $975 $1,735 $145
Adult in their 50s $620 $895 $1,595 $133
Senior (72) $755 $1,090 $1,945 $162
30s, one at-fault accident $975 $1,415 $2,520 $210
30s, DUI on record $1,245 $1,805 $3,210 $268

Toyota Camry vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Toyota Camry$1,735119107—
Tesla Model 3$1,67013387Compare
Honda Accord$1,68010982Compare
Hyundai Sonata$1,890136116Compare

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Frequently asked questions

How much is insurance for a Toyota Camry?

We estimate about $1,735 a year ($145 a month) for full coverage and $670 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% more than the average vehicle.

Is the Toyota Camry expensive to insure?

HLDI insurance-loss data rates it at 119 for collision and 107 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Toyota Camry?

Maine has the lowest estimate (about $1,105 a year for full coverage) and Florida the highest (about $2,470).

What is the Toyota Camry's NHTSA safety rating?

The 2026 Toyota Camry earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Camry a commonly stolen car?

Yes. It ranks #8 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Toyota Camry cheaper to insure than the Tesla Model 3?

By our estimate the Toyota Camry costs about $1,735 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Toyota Camry insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,775 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page