Toyota Camry insurance costs average $90 monthly for minimum coverage and $175 for full coverage. But, depending on your specific trim and model year, costs can range from $59 for a 2004 Toyota Camry to $291 for a 2016 Toyota Camry monthly.
Toyota Camry Insurance Cost
Updated: September 26, 2025
Key Takeaways
Toyota Camry insurance costs range from $89 to $291 monthly, with significant variation based on specific trim level and model year you choose.
The Camry ranks 373rd out of 827 vehicle models for insurance affordability in the 2025 United States auto market, placing it in the middle tier.
GEICO provides the most affordable Toyota Camry insurance with full coverage starting at $131 per month and minimum coverage policies beginning at $61 monthly.
How Much Is Toyota Camry Insurance?
| Toyota Camry | $90 | $175 |
Toyota Camry Insurance Cost by Model Year
Your Toyota Camry's model year and available trims directly impact insurance rates. Newer models cost more to insure because of their higher fair value. Monthly premiums for Camry models range from $65 to $250, with older vehicles generally offering the most affordable coverage options.
| 2025 | $106 | $206 |
| 2024 | $102 | $197 |
| 2023 | $100 | $194 |
| 2022 | $92 | $178 |
| 2021 | $82 | $158 |
| 2020 | $93 | $180 |
| 2019 | $94 | $182 |
| 2018 | $93 | $179 |
| 2017 | $87 | $168 |
| 2016 | $129 | $250 |
| 2015 | $113 | $219 |
| 2014 | $100 | $194 |
| 2013 | $90 | $174 |
| 2012 | $85 | $165 |
| 2011 | $73 | $141 |
| 2010 | $69 | $133 |
| 2009 | $92 | $177 |
| 2008 | $84 | $161 |
| 2007 | $74 | $142 |
| 2006 | $72 | $139 |
| 2005 | $65 | $125 |
| 2004 | $68 | $130 |
| 2003 | $68 | $131 |
| 2002 | $71 | $136 |
| 2001 | $66 | $127 |
| 2000 | $73 | $140 |
Toyota Camry Insurance Cost by Trim
Your Toyota Camry's trim affects insurance costs based on features, rarity and market value. Our research shows monthly premiums vary widely by trim, ranging from $71 for basic models to $259 for premium variants like hybrid editions.
| Ce Sedan 4d | $71 | $137 |
| Sedan 4d | $73 | $140 |
| Hybrid Sedan 4d | $75 | $145 |
| Le Sedan 4d | $82 | $159 |
| Le Hybrid Sedan 4d | $87 | $168 |
| Se Sedan 4d | $88 | $169 |
| Xle Sedan 4d | $89 | $171 |
| Xle Hybrid Sedan 4d | $89 | $173 |
| Se Nightshade Edition Sedan 4d | $91 | $176 |
| L Sedan 4d | $92 | $177 |
| Le | $92 | $180 |
| Se Sport Sedan 4d | $96 | $186 |
| Trd Sedan 4d | $98 | $190 |
| Se | $98 | $191 |
| Xse Sedan 4d | $99 | $192 |
| Se Nightshade Edition | $101 | $195 |
| Gas | $109 | $210 |
| Xle | $109 | $211 |
| Xse | $111 | $215 |
| Trd | $111 | $216 |
| Hybrid Le Sedan 4d | $112 | $217 |
| Hybrid Xle Sedan 4d | $118 | $229 |
| Se Special Edition Sedan 4d | $125 | $243 |
| Hybrid Se Sedan 4d | $134 | $259 |
Compare Personalized Toyota Camry Insurance Costs
We've broken down Toyota Camry insurance costs by model year and trim for better accuracy.
Data filtered by:Results filtered by:
2000
Model Year:2000
Le Sedan 4d
Trim:Le Sedan 4d
| Le Sedan 4d | $63 | $121 |
Toyota Camry Insurance Cost by Company
Toyota Camry insurance costs vary by provider from $96 to $232 monthly. Minimum coverage ranges from $61 to $159, while full coverage costs $131 to $331. Rates vary due to different risk assessment models.
| AAA | $103 | $217 |
| AIG | $133 | $331 |
| Allstate | $114 | $221 |
| Amica | $111 | $226 |
| Chubb | $118 | $240 |
| Farmers | $137 | $242 |
| GEICO | $61 | $131 |
| Kemper | $96 | $193 |
| Nationwide | $100 | $172 |
| Progressive | $92 | $172 |
| State Farm | $84 | $174 |
| The Hartford | $97 | $166 |
| Travelers | $76 | $139 |
| UAIC | $159 | $198 |
Toyota Camry Insurance Cost by State
Toyota Camry insurance costs vary by location, ranging from $31 monthly in Wyoming to $375 in Louisiana.
| Alabama | $77 | $145 |
| Alaska | $62 | $132 |
| Arizona | $109 | $203 |
| Arkansas | $71 | $158 |
| California | $87 | $178 |
| Colorado | $85 | $203 |
| Connecticut | $125 | $214 |
| Delaware | $130 | $218 |
| District Of Columbia | $107 | $199 |
| Florida | $131 | $304 |
| Georgia | $132 | $217 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $97 |
| Illinois | $79 | $148 |
| Indiana | $57 | $112 |
| Iowa | $49 | $118 |
| Kansas | $63 | $147 |
| Kentucky | $109 | $184 |
| Louisiana | $174 | $375 |
| Maine | $45 | $94 |
| Maryland | $138 | $233 |
| Massachusetts | $88 | $187 |
| Michigan | $136 | $260 |
| Minnesota | $74 | $153 |
| Mississippi | $78 | $153 |
| Missouri | $103 | $205 |
| Montana | $62 | $146 |
| Nebraska | $66 | $149 |
| Nevada | $159 | $288 |
| New Hampshire | $62 | $109 |
| New Jersey | $155 | $254 |
| New Mexico | $71 | $159 |
| New York | $119 | $212 |
| North Carolina | $74 | $146 |
| North Dakota | $52 | $114 |
| Ohio | $65 | $126 |
| Oklahoma | $82 | $182 |
| Oregon | $105 | $183 |
| Pennsylvania | $83 | $195 |
| Rhode Island | $108 | $193 |
| South Carolina | $91 | $170 |
| South Dakota | $46 | $141 |
| Tennessee | $68 | $138 |
| Texas | $111 | $228 |
| Utah | $98 | $166 |
| Vermont | $39 | $93 |
| Virginia | $84 | $136 |
| Washington | $82 | $153 |
| West Virginia | $77 | $155 |
| Wisconsin | $57 | $126 |
| Wyoming | $31 | $97 |
Toyota Camry Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, affects Toyota Camry insurance pricing extensively. Monthly rates can reach $336 for young drivers under 25 with clean records and drop to just $132 for adult drivers between 26-64 without violations.
| Adult Drivers | $90 | $175 |
| Young Drivers | $231 | $442 |
| Senior Drivers | $120 | $221 |
| Drivers With a Speeding Ticket | $112 | $219 |
| Drivers With an Accident | $133 | $256 |
| Drivers With a DUI | $165 | $315 |
| Drivers With Bad Credit | $213 | $428 |
Is a Toyota Camry Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Toyota Camry ranks 373rd out of 827, making it one of the moderately expensive cars to insure. Among midsize sedans, the model ranks 30th out of 37.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect what you'll pay for Toyota Camry insurance coverage:
- Age (average 49 years): Middle-aged drivers receive lower rates than younger buyers due to driving experience and stability.
- Gender (50% male, 50% female): Toyota has the most balanced gender distribution among major automakers, reflecting broad market appeal.
- Income ($70,000 to $90,000 average): Middle-class income levels correlate with responsible driving behaviors and steady premium payments.
Average Repair or Replacement Costs
Toyota ranks first in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota Camry repair costs average $577 annually, making it one of Toyota's most affordable models for repairs.
Vehicle Trim, Features and Accessories
The Toyota Camry's moderate performance capabilities (203 to 208 horsepower, 0 to 60 mph in 7.6 seconds) keep insurance premiums reasonable compared to high-performance sedans.
Higher trim levels like XSE cost more to insure due to advanced features, 19-inch wheels and premium materials. The sportier XSE includes performance styling and larger wheels that can raise repair expenses after accidents.
Fuel Type
Toyota Camry costs less to insure because it runs on regular gasoline with proven, reliable engines. When something breaks, you can take it to any mechanic in the country. Parts are widely available and affordable.
The Camry hybrid models carry slightly higher insurance costs due to the battery system and electric motor complexity. But, Toyota's hybrid technology is well-established with 20+ years of market presence, so repair costs remain reasonable compared to newer electric vehicles.
Location
Toyota Camry owners are distributed nationwide with strong concentrations in California, Florida and Texas. The Camry ranks as the most popular car in Florida and holds strong positions across the Southern and Southwestern states, where Toyota has extensive dealer networks.
California leads with 172 Toyota dealerships, while Southeast Toyota (Alabama, Florida, Georgia, North Carolina and South Carolina) handles 24% of all U.S. Toyota sales. This distribution means competitive insurance rates nationwide, as insurers have extensive data on repair costs and claim patterns across all regions.
Driver Profile
Most Toyota Camry drivers are middle-aged (average 49 years) with household incomes of $70,000 to $90,000. This demographic receives moderate insurance rates due to established credit histories and stable driving patterns.
Driver demographics affect Camry insurance rates:
The Camry attracts family-focused, safety-conscious drivers who prioritize reliability over performance, creating a lower-risk insurance profile that results in competitive rates.
Cheapest Toyota Camry Insurance Companies
GEICO offers the most affordable Camry car insurance with full coverage averaging $131 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage at $61 per month for Camry owners.
| GEICO | $61 | $131 |
| Travelers | $76 | $139 |
| State Farm | $84 | $174 |
| The Hartford | $97 | $166 |
| Progressive | $92 | $172 |
Cheapest Toyota Camry Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers for a Toyota Camry:
- GEICO: Wins for affordability in 18 states
- Travelers: Wins for affordability in nine states
- State Farm: Wins for affordability in four states
You can filter to see who offers your Toyota Camry's most affordable auto insurance rates.
Data filtered by:Results filtered by:
Alabama
State:Alabama
| Alabama | Cincinnati Insurance | $41 |
How to Get the Best Cheap Toyota Camry Insurance
Below we break down Toyota Camry car insurance discounts to help you save:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Toyota's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Toyota Camry, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Toyota Camry owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): The Toyota Camry was among the 25 best-selling cars in the U.S., making it popular with families who often own multiple vehicles. Camry owners' practical approach to vehicle ownership (choosing reliable, affordable transportation) typically means qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With full coverage costing an average of $1,383 per year, Camry owners often look for ways to save. Many are homeowners who can bundle auto and homeowners insurance for substantial savings from major carriers, with discounts reaching up to 25%.
- Good Driver/Safe Driver Discount (5% to 30% savings): Camry buyers represent a mature, responsible demographic with clean driving records that qualify them for the largest available discounts. Since this is the biggest discount you can get, maintaining an accident-free record is essential for keeping rates low.
- Safety Features Discount (5% to 23% savings): The Toyota Camry is an IIHS Top Safety Pick+ with a 5-star NHTSA rating. Standard safety features like stability control, airbags, antilock brakes, and Toyota Safety Sense 2.0 help you avoid crashes, earning discounts on medical-related coverage from most insurers.
- Good Student Discount (10% to 15% savings): The Camry's reliability and affordability make it extremely popular with college students and young drivers whose parents buy practical, dependable vehicles. Students maintaining a "B" average or better can qualify for substantial discounts that often last until age 25.
- 5
Consider alternative car insurance types
Toyota Camry owners should consider Toyota Insurance (if available in your area) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like USAA SafePilot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Toyota Camry insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Toyota Camry Insurance Cost: Bottom Line
Insuring a Toyota Camry costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Camry Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Camry.
What is the average cost of car insurance for a Toyota Camry?
The Toyota Camry's average annual insurance cost is $1,083 yearly for state minimum and $2,095 for full coverage.
What company has the cheapest car insurance for a Toyota Camry?
GEICO offers the cheapest minimum coverage and full coverage car insurance for Toyota Camrys, with annual rates of $732 and $1,572, respectively.
Are Toyota Camrys expensive to insure?
Toyota Camry insurance is moderately more expensive than most cars. Out of 827 vehicles we track, the Camry ranks 373rd for affordability. Among midsize sedans, this model sits at 30th out of 37.
What factors affect insurance costs for Toyota Camrys?
Several things drive up your Toyota Camry rates. Repairs cost more because of specialized parts. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather-related risks will cost more.
How can I lower Toyota Camry insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota Camry's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Camry Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Toyota Camry insurance costs.
Who We Based These Rates On
These Toyota Camry prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.