Toyota Camry Car Insurance Cost 2025
On average, insuring a Toyota Camry costs around $115 per year. However, your actual premium may vary depending on factors like your age, the model year of your car, and other personal details. You can use the quote tables below to get a more personalized estimate.
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If you’re considering buying a Toyota Camry, you should consider the cost of insurance. On average, insurance for a Toyota Camry costs $115 per year. Insurance is a crucial aspect of car ownership, and it’s essential to understand its implications before making a purchase.
Selecting the right car insurance is vital to avoid unexpected and potentially high expenses down the line. You wouldn’t want to be caught underinsured in the event of an accident, which could leave you responsible for significant out-of-pocket costs. Moreover, there’s the possibility of facing increased premiums if you’re deemed at fault in an accident.
Having analyzed car insurance rates for over a decade, I’ve seen how much these costs can vary. Factors like your age, driving history, and even your location can significantly influence your insurance premiums.
How Much Does Toyota Camry Car Insurance Cost?
On average, Toyota Camry drivers can expect to pay around $115 per year for car insurance.
It’s important to understand that car insurance costs can vary significantly depending on several factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. Keeping a clean driving record can help lower your premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in an urban area with heavy traffic could lead to higher insurance rates compared to rural areas with less congestion. The type of coverage you select also affects your premium—comprehensive insurance, which covers both comprehensive and collision, usually costs more than basic liability coverage.
As shown in the table below, the cost of insuring a Toyota Camry is lower than the average for all Toyota models. However, it’s still cheaper than the average cost for all cars overall.
Insuranceopedia is here to help you compare quotes from various auto insurance companies to ensure you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Toyota Camry | $160 |
| All Toyotas | $151 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Camry By Model Year
| Model Year | Average Premium |
| 2024 Toyota Camry | $707 |
| 2023 Toyota Camry | $366 |
| 2022 Toyota Camry | $572 |
| 2021 Toyota Camry | $454 |
| 2020 Toyota Camry | $461 |
| 2019 Toyota Camry | $488 |
| 2018 Toyota Camry | $366 |
| 2017 Toyota Camry | $580 |
| 2016 Toyota Camry | $609 |
| 2015 Toyota Camry | $633 |
| 2014 Toyota Camry | $389 |
| 2013 Toyota Camry | $527 |
| 2012 Toyota Camry | $427 |
| 2011 Toyota Camry | $314 |
| 2010 Toyota Camry | $477 |
2024 Toyota Camry Insurance Rates
The average annual insurance cost for a 2024 Toyota Camry is $707. However, Safeco offers the cheapest rates, averaging $151 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $520 |
| Pekin Insurance | $955 |
| Kemper Auto Premier | $858 |
| Buckeye Insurance Group | $663 |
| Infinity Special | $710 |
| Safeco | $115 |
| NatGen PPA | $835 |
| American National P | $851 |
| Direct Auto | $856 |
2023 Toyota Camry Insurance Rates
The average annual insurance cost for a 2023 Toyota Camry is $366. However, Jupiter Auto Insurance offers the cheapest rates, averaging $11 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $225 |
| Kemper Auto Premier | $826 |
| Victoria | $318 |
| Kemper Premium | $279 |
| Jupiter Auto Insurance | $11 |
| AssuranceAmerica Mobile Max | $245 |
| Kemper Personal Insurance | $186 |
| American National P | $496 |
| Infinity Special | $787 |
| Safeco | $286 |
2022 Toyota Camry Insurance Rates
The average annual insurance cost for a 2022 Toyota Camry is $572. However, Kemper Auto Premier offers the cheapest rates, averaging $79 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $176 |
| Kemper Auto Premium | $1,009 |
| AssuranceAmerica Mobile Max | $911 |
| Victoria | $346 |
| Kemper Auto Premier | $79 |
| NatGen Custom 360 | $295 |
| Safeco | $158 |
| Nationwide ThreeSixZero | $955 |
| Kemper Premium | $951 |
| American National P | $836 |
2021 Toyota Camry Insurance Rates
The average annual insurance cost for a 2021 Toyota Camry is $454. However, Jupiter Auto Insurance offers the cheapest rates, averaging $40 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $265 |
| Titan | $950 |
| NatGen Custom 360 | $504 |
| Victoria | $318 |
| Jupiter Auto Insurance | $40 |
| Safeco | $306 |
| Kemper Personal Insurance | $121 |
| American National P | $859 |
| EMC Insurance | $878 |
| Kemper Auto Premier | $339 |
2020 Toyota Camry Insurance Rates
The average annual insurance cost for a 2020 Toyota Camry is $461. However, NatGen Custom 360 offers the cheapest rates, averaging $171 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $206 |
| American National P | $934 |
| NatGen PPA | $559 |
| Kemper Auto Premier | $230 |
| Kemper Auto Premium | $188 |
| Kemper Personal Insurance | $208 |
| NatGen Custom 360 | $171 |
| Mercury Insurance | $838 |
| Mercury Insurance Company | $904 |
| AssuranceAmerica Mobile Max | $368 |
2019 Toyota Camry Insurance Rates
The average annual insurance cost for a 2019 Toyota Camry is $488. However, Kemper Personal Insurance offers the cheapest rates, averaging $105 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $333 |
| Mercury Insurance | $1,010 |
| NatGen Custom 360 | $462 |
| Dairyland FR Bond | $422 |
| Kemper Personal Insurance | $105 |
| Kemper Auto Premium | $418 |
| Safeco | $121 |
| AssuranceAmerica Mobile Max | $658 |
| American National P | $888 |
| Dairyland Broadform | $458 |
2018 Toyota Camry Insurance Rates
The average annual insurance cost for a 2018 Toyota Camry is $488. However, Kemper Auto Premier offers the cheapest rates, averaging $131 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $192 |
| American National P | $874 |
| Dairyland Broadform | $386 |
| Safeco | $275 |
| Kemper Auto Premier | $137 |
| Kemper Auto Premium | $268 |
| AssuranceAmerica Mobile Max | $214 |
| Dairyland FR Bond | $421 |
| Mercury Insurance | $553 |
| NatGen Custom 360 | $335 |
2017 Toyota Camry Insurance Rates
The average annual insurance cost for a 2017 Toyota Camry is $580. However, Kemper Personal Insurance offers the cheapest rates, averaging $67 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $311 |
| EMC Insurance | $900 |
| General Casualty | $810 |
| American National P&C | $520 |
| Kemper Personal Insurance | $67 |
| NatGen Custom 360 | $493 |
| Safeco | $282 |
| Mercury Insurance | $853 |
| Dairyland Broadform | $858 |
| American National P | $706 |
Find Affordable Toyota Camry Insurance Rates
2016 Toyota Camry Insurance Rates
The average annual insurance cost for a 2016 Toyota Camry is $609. However, Kemper Personal Insurance offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $239 |
| Dairyland | $1,031 |
| Buckeye Insurance Group | $887 |
| Infinity Special | $593 |
| Kemper Personal Insurance | $162 |
| NatGen Custom 360 | $316 |
| Safeco | $187 |
| Dairyland FR Bond | $923 |
| Mercury Insurance | $1,002 |
| Kemper Auto Premium | $748 |
2015 Toyota Camry Insurance Rates
The average annual insurance cost for a 2015 Toyota Camry is $633. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $153 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $560 |
| American National P | $920 |
| Utica National Ins Group | $788 |
| Dairyland Broadform | $660 |
| AssuranceAmerica Mobile Max | $153 |
| Mercury Insurance | $620 |
| Safeco | $215 |
| Dairyland FR Bond | $817 |
| American National P&C | $822 |
| Infinity Special | $770 |
2014 Toyota Camry Insurance Rates
The average annual insurance cost for a 2014 Toyota Camry is $389. However, NatGen Custom 360 offers the cheapest rates, averaging $108 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $186 |
| Union Mutual Fire Group | $658 |
| Mercury Insurance | $487 |
| Kemper Auto Premium | $294 |
| NatGen Custom 360 | $108 |
| Dairyland FR Bond | $229 |
| Kemper Personal Insurance | $161 |
| AssuranceAmerica Mobile Max | $613 |
| Dairyland Broadform | $676 |
| Kemper Auto Premier | $481 |
2013 Toyota Camry Insurance Rates
The average annual insurance cost for a 2013 Toyota Camry is $527. However, Kemper Personal Insurance offers the cheapest rates, averaging $104 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $342 |
| NatGen PPA | $912 |
| American National P&C | $700 |
| NatGen Custom 360 | $507 |
| Kemper Personal Insurance | $104 |
| AssuranceAmerica Mobile Max | $388 |
| Dairyland FR Bond | $240 |
| American National P | $792 |
| Mercury Insurance Company | $769 |
| Mercury Insurance | $512 |
2012 Toyota Camry Insurance Rates
The average annual insurance cost for a 2012 Toyota Camry is $427. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $201 |
| Concord Group | $743 |
| Mercury Insurance | $599 |
| Kemper Personal Insurance | $315 |
| AssuranceAmerica Mobile Max | $104 |
| Dairyland FR Bond | $331 |
| Safeco | $184 |
| Dairyland Broadform | $617 |
| American National P | $654 |
| Kemper Auto Premier | $521 |
2011 Toyota Camry Insurance Rates
The average annual insurance cost for a 2011 Toyota Camry is $314. However, NatGen Custom 360 offers the cheapest rates, averaging $29 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $92 |
| Concord Group | $751 |
| AssuranceAmerica Mobile Max | $407 |
| Dairyland FR Bond | $264 |
| Kemper Auto Premium | $63 |
| Safeco | $170 |
| NatGen Custom 360 | $29 |
| American National P&C | $420 |
| Dairyland Broadform | $516 |
| Mercury Insurance | $424 |
2010 Toyota Camry Insurance Rates
The average annual insurance cost for a 2010 Toyota Camry is $477. However, NatGen Custom 360 offers the cheapest rates, averaging $126 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $198 |
| American National P | $788 |
| Utica National Ins Group | $686 |
| Mercury Insurance | $429 |
| NatGen Custom 360 | $126 |
| Safeco | $308 |
| AssuranceAmerica Mobile Max | $153 |
| SECURA Insurance | $767 |
| North Carolina Farm Bureau | $795 |
| Dairyland FR Bond | $517 |
Find Affordable Toyota Camry Insurance Rates
Is A Toyota Camry Expensive To Insure?
The cost of insuring a Toyota Camry is below the average for all vehicles. However, the exact amount you’ll pay for car insurance can vary based on factors like your age, the age of your car, your location, and other personal details.
Cost of Toyota Camry Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they are statistically more likely to be involved in accidents compared to other age groups. As you get older and gain more driving experience, your premiums typically decrease, reflecting a lower risk to insurers.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,639 | $9,762 | $11,383 |
| 18 | $6,207 | $9,085 | $10,626 |
| 19 | $5,480 | $8,004 | $9,391 |
| 20 | $4,762 | $7,009 | $8,181 |
| 21 | $3,987 | $5,881 | $6,854 |
| 22 | $3,886 | $5,727 | $6,698 |
| 23 | $3,422 | $4,982 | $5,846 |
| 24 | $3,234 | $4,732 | $5,560 |
| 25 | $2,778 | $4,062 | $4,800 |
| 30 | $2,187 | $3,184 | $3,711 |
| 35 | $2,045 | $3,030 | $3,475 |
| 40 | $1,977 | $2,878 | $3,340 |
| 45 | $1,896 | $2,761 | $3,279 |
| 55 | $1,744 | $2,598 | $2,982 |
| 65 | $1,849 | $2,637 | $3,114 |
| 75 | $2,288 | $3,376 | $3,931 |
Toyota Camry Car Insurance Rates By State
Your location plays a major role in how insurance companies determine your rates. Since each state has its own auto insurance regulations, premiums can vary significantly. For instance, Michigan drivers often pay more because the state requires higher coverage limits.
Climate is another important factor—areas prone to severe weather events like hurricanes, floods, or heavy storms may see higher insurance costs. Additionally, local crime rates, accident frequency, and vehicle fatality statistics all influence what you’ll pay. Insurers take all of these elements into account when calculating your specific Toyota Camry insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,068 | $3,020 | $3,870 |
| Alaska | $1,686 | $2,376 | $2,334 |
| Arizona | $1,947 | $2,824 | $4,094 |
| Arkansas | $2,098 | $3,352 | $3,662 |
| California | $2,351 | $4,170 | $2,383 |
| Colorado | $2,238 | $3,084 | $3,925 |
| Connecticut | $2,845 | $4,393 | $5,578 |
| Delaware | $2,379 | $3,103 | $4,014 |
| Florida | $2,815 | $3,822 | $5,033 |
| Hawaii | $894 | $1,236 | $893 |
| Idaho | $1,556 | $2,077 | $2,559 |
| Illinois | $1,678 | $2,481 | $2,818 |
| Indiana | $1,686 | $2,609 | $2,874 |
| Iowa | $1,351 | $1,836 | $2,173 |
| Kansas | $1,797 | $2,572 | $3,027 |
| Kentucky | $2,583 | $3,762 | $4,443 |
| Louisiana | $3,279 | $5,005 | $5,407 |
| Maine | $1,234 | $1,761 | $2,569 |
| Maryland | $2,021 | $2,959 | $3,259 |
| Massachusetts | $1,636 | $2,858 | $1,636 |
| Michigan | $3,898 | $5,969 | $9,423 |
| Minnesota | $1,621 | $2,166 | $3,006 |
| Mississippi | $1,968 | $2,761 | $2,781 |
| Missouri | $1,820 | $2,651 | $3,444 |
| Montana | $1,861 | $2,623 | $3,014 |
| Nebraska | $1,615 | $2,305 | $2,511 |
| Nevada | $2,606 | $3,875 | $4,052 |
| New Hampshire | $1,803 | $2,868 | $3,628 |
| New Jersey | $1,991 | $3,104 | $4,085 |
| New Mexico | $2,047 | $3,035 | $3,165 |
| New York | $1,872 | $2,410 | $4,003 |
| North Carolina | $1,199 | $2,002 | $1,416 |
| North Dakota | $1,603 | $2,449 | $2,844 |
| Ohio | $1,404 | $2,190 | $2,287 |
| Oklahoma | $2,263 | $3,264 | $3,682 |
| Oregon | $2,075 | $2,760 | $3,320 |
| Pennsylvania | $1,730 | $2,590 | $2,986 |
| Rhode Island | $2,898 | $4,281 | $4,826 |
| South Carolina | $1,962 | $2,731 | $3,780 |
| South Dakota | $1,758 | $2,557 | $2,919 |
| Tennessee | $2,083 | $3,079 | $4,137 |
| Texas | $2,097 | $3,061 | $3,765 |
| Utah | $1,803 | $2,490 | $3,459 |
| Vermont | $1,354 | $2,105 | $2,253 |
| Virginia | $1,296 | $1,966 | $1,907 |
| Washington | $1,723 | $2,349 | $2,761 |
| West Virginia | $1,718 | $2,443 | $3,102 |
| Wisconsin | $1,716 | $2,707 | $3,073 |
| Wyoming | $1,603 | $2,263 | $2,406 |
| Georgia | $2,268 | $3,394 | $3,398 |
Find Affordable Toyota Camry Insurance Rates
Cheapest Car Insurance Companies For A Toyota Camry
If you’re planning to buy a new car insurance policy for your Toyota Camry, you’re probably interested in finding the most affordable options. For budget-conscious drivers, Novo offers the lowest average rate at $68 per month, making it the cheapest provider for a Toyota Camry.
Keep in mind, though, that rates can vary depending on your individual profile. To find the most cost-effective policy for your needs, it’s best to compare quotes from several insurance companies.
| Company | Average Monthly Rate |
| Novo | $68 |
| Just Insure | $98 |
| Mile Auto | $76 |
| Root | $94 |
| Certainly | $74 |
Common Toyota Camry Insurance Discounts
Taking advantage of discounts is a great way to reduce your car insurance costs. While each insurance company offers its own set of discounts, there are several common ones you may qualify for:
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Multi-policy discount: Bundling your auto and home insurance with the same provider can often lead to savings.
-
Annual payment discount: Paying your premium in full instead of in monthly installments may qualify you for a lower rate.
-
Defensive driving discount: Completing a certified defensive driving course can make you eligible for additional savings.
There may be other discounts available to you as well. It’s a good idea to speak with your insurance agent to explore all the discounts you may qualify for.
Ways To Save On Toyota Camry Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Toyota Camry insurance costs. Traffic violations like speeding tickets or accidents can lead to higher premiums. For example, Camry drivers with a ticket on their record pay about $94 per month, while those with multiple accidents see an average rate of $98 per month.
Mileage also plays a role in determining insurance rates. Drivers who log fewer miles annually are considered lower risk and usually pay less. Toyota Camry owners who drive between 5,001 and 7,500 miles per year typically pay around $100 per month, while those driving over 10,000 miles annually pay closer to $79 per month.
Compare Toyota Camry To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 86 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance, including $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that your actual rates may vary based on your unique personal and driving profile.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Camry?
Yes, you’ll need to show proof of insurance before driving your Toyota Camry off the dealership lot. The smartest approach is to purchase a policy in advance and inform your insurance provider that you’re about to buy a new car. This way, you can avoid relying on potentially more expensive coverage offered by the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Camry?
To get the most affordable insurance rates for your Toyota Camry, it’s important to shop around and compare offers from different car insurance providers. Luckily, Insuranceopedia makes this process simple by letting you view and compare quotes from several insurers all in one place.
