The Toyota Camry is a mid-sized sedan that first debuted in the U.S. in 1983. The Camry is known for its reliability and fuel efficiency, so it's no surprise the vehicle remains popular today. No matter what kind of Camry you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Camry insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Camry by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Camry Car Insurance Cost
Toyota Camry insurance costs an average of $2,095 per year, or approximately $175 per month, for full coverage in 2026.
Toyota Camry insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $375.
Travelers, Progressive, and Kemper are the cheapest carriers for Toyota Camry insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Camry insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Camry model.
Toyota Camry Insurance Cost at a Glance
How much is Toyota Camry insurance? Toyota Camry full coverage costs $2,095 per year, or approximately $175 per month. Minimum coverage for a Toyota Camry costs an average of $1,083 annually, or approximately $90 monthly. Full coverage Toyota Camry car insurance in 2026 is cheaper than the current national average of $2,575 per year.
Cheapest insurance companies for a Toyota Camry in 2026
The cheapest Toyota Camry insurance per month is available from Travelers, with an average premium of $76 for minimum coverage. The table below displays the best insurance companies for a Toyota Camry in 2026.
| Top Car Insurance Company | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Travelers | $76 | $139 |
| Progressive | $92 | $172 |
| Kemper | $96 | $193 |
| The Hartford | $97 | $166 |
| Nationwide | $100 | $172 |
| AAA | $103 | $217 |
| Amica | $111 | $226 |
| Allstate | $114 | $221 |
| Chubb | $118 | $240 |
| AIG | $133 | $331 |
| UAIC | $159 | $198 |
Methodology
These rates are based on a 40-year-old unmarried male driver with a clean driving record, good credit score, and no prior claims. Minimum coverage refers to state-required limits for liability insurance, and full coverage was calculated based on a policy with 100/300/100 liability and a $1,000 deductible for both collision and comprehensive insurance.
Average Toyota Camry insurance rates by model year
Next, we'll break down several model years of the Toyota Camry and the average insurance costs for each. Newer models can cost more to insure because the vehicle would be more expensive to replace in the event of a total loss. The 2025 Toyota Camry insurance monthly rate is $106 for minimum coverage and $206 for full coverage.
| Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2026 | $90 | $175 |
| 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 |
Insurance Cost by Toyota Camry Trim Level in 2026
Your specific Toyota Camry's trim level can also affect the cost of your coverage. Higher trim levels mean a higher MSRP and replacement cost, often leading to higher car insurance premiums. Here are some average Toyota Camry car insurance rates by trim level in 2026, including Toyota Camry LE vs. XSE insurance rates.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Toyota Camry Hybrid insurance rates
The average cost of insurance for a Toyota Camry Hybrid is $167 per month. The battery system used in hybrid models adds slightly more to insurance premiums than the gas system does. However, Toyota's 20+ year hybrid history helps keep Camry rates competitive across all models.
Toyota Camry Insurance Rates by Driver Age and Driving Record in 2026
Your age, driving history, and credit can all greatly impact the cost of your car insurance. Toyota Camry insurance for teen drivers is much more expensive than coverage for adults. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Toyota Camry insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | 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 |
What Factors Affect the Cost of Toyota Camry Insurance?
Several factors can influence the cost of Toyota Camry insurance, including:
- The specific model year Camry you drive
- Your vehicle's trim level
- Your age
- Your claims history
- Your location
- Your driving record
- Vehicle safety features
- Your credit score (where allowed)
- The types of coverage you need
- Your driving history
- Annual mileage
- Your deductible
A local independent insurance agent can help you find the most affordable Toyota Camry car insurance near you.
How your location affects Toyota Camry insurance rates
Your location is one of the biggest factors that determine car insurance premium calculations. Toyota Camry insurance premiums range from $31 for minimum coverage in Wyoming to $375 in Louisiana. Here are some average auto insurance rates for the Toyota Camry by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 Safety Ratings and Their Impact on Insurance
The 2025 Toyota Camry is an Insurance Institute for Highway Safety (IIHS) Top Safety Pick+. The vehicle is rated as having good crashworthiness. It has also earned a National Highway Traffic Safety Administration (NHTSA) rating of 5 stars overall, and J.D. Power awarded the Camry 86/100 for quality. Car insurance carriers see vehicles with high safety ratings as less likely to result in large claims due to significant damage in a collision.
What Kind of Insurance Do You Need for a Toyota Camry?
A Toyota Camry needs several types of coverage to be sufficiently protected, such as liability and collision insurance. However, if you drive an older Camry or one that's worth less than a few hundred dollars, it may make sense to drop collision coverage. Here's a breakdown of recommended and optional coverages for a Toyota Camry in 2026.
Recommended coverage options for Toyota Camry drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Toyota Camry:
- Toyota warranty insurance: This can extend Toyota's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Toyota vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Toyota parts during the repair process.
Your state likely requires at least certain types of car insurance. A local independent insurance agent can help you get set up with all the required Toyota Camry auto insurance in your area.
How to Save Money on Toyota Camry Insurance
Wondering how to lower Toyota Camry insurance premiums? It's easy to save on your coverage when you follow any of these tips:
- Ask about Toyota Camry insurance discounts: Most car insurance companies offer discounts for bundling policies (such as home insurance and auto insurance), insuring multiple vehicles (multi-car discount), paying in full, maintaining low annual mileage, being a good student, and storing your vehicle in a garage.
- Ask about the Toyota Safety Sense (TSS) discount: Savings can be earned on newer Toyota vehicles equipped with the TSS bundle of safety features.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Maintain good credit: In many areas, car insurance companies reward you with lower premiums for keeping your credit in good standing.
- Ask about telematics programs: Your insurance company or Toyota may offer programs that track your driving habits or vehicle usage (e.g., Snapshot, Drive Safe & Save) to help reduce your insurance rates.
- Compare quotes from multiple carriers annually: Comparing Toyota Camry insurance quotes from multiple carriers in your area each year can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Toyota Camry insurance from a trusted carrier near you.
Local independent insurance agents know which Toyota Camry car insurance companies offer the best discounts and savings opportunities. They'll help you get set up with the lowest possible Toyota Camry insurance premium.
An Independent Insurance Agent Can Help You Get the Best Toyota Camry Insurance Quotes
When it's time to find the most affordable Toyota Camry insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Toyota Camry insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Toyota Camry Car Insurance
How much does Toyota Camry insurance cost per month?
The average cost of car insurance for a Toyota Camry is $175 per month for full coverage, or $90 for minimum coverage. However, the cost of your specific policy can vary, depending on many factors, such as your age, location, driving history, and more.
Is the Toyota Camry expensive to insure?
No, the Camry ranks 373 out of 827 vehicles for affordability. Full coverage for a Camry is less expensive than the current national average of $2,575 per year.
Who has the cheapest Toyota Camry insurance?
We found that Travelers, Progressive, and Kemper offer the cheapest Toyota Camry insurance this year.
How much is Toyota Camry insurance for an 18-year-old?
The average cost of Toyota Camry insurance for an 18-year-old driver with a clean record is $6,207 per year. Rates drop considerably once a driver reaches age 25.
Does the Toyota Camry trim level affect insurance cost?
Yes. For example, the Camry LE averages $2,316 per year, and the XSE AWD averages $2,646 per year, which is a $330 difference. A higher trim level means a higher MSRP and replacement cost, which often results in higher auto insurance premiums.
Is the Toyota Camry Hybrid more expensive to insure than the gas version?
Slightly, yes. The Camry Hybrid averages $167 per month vs. $159 per month for a standard gas model. Fortunately, Toyota's 20+ year hybrid track record keeps this gap small.
What are the cheapest states for Toyota Camry insurance?
Wyoming is the cheapest state for Toyota Camry insurance, at $31 per month, followed by North Carolina and Idaho. Louisiana is the most expensive state, at $375 per month, followed by Michigan, and New York are most expensive.
How can I lower my Toyota Camry insurance premium?
You can save money on Toyota Camry insurance by shopping around and comparing quotes before each policy renewal, bundling your home and auto insurance to save 15-20%, enrolling in telematics programs, raising your deductible by $500 to $1,000, and by asking about the Toyota Safety Sense discount.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-camry-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-camry-car-insurance
https://www.moneygeek.com/insurance/auto/what-is-the-average-cost-of-car-insurance-month-year/
https://www.buyatoyota.com/home/tools/toyota-safety-sense/