+120 more*These quotes are from Compare.com users within the last 10 days. Updated on September 13, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on September 13, 2026
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
The average cost of car insurance for a Toyota Camry is $174 per month, which is slightly higher than the national average of $162 for all vehicles.
USAA offers the cheapest Toyota Camry insurance, with average premiums of $93 per month.
Camry rates stay close to average because its moderate price and strong safety features help offset higher horsepower and repair costs from advanced tech.
The type of car insurance policy you choose greatly affects premiums. Liability-only policies only cover damage done to others via bodily injury and property damage insurance (plus additional state minimum requirements).
Liability insurance policies cost less than full-coverage policies, which include liability, plus collision and comprehensive coverage that helps pay to repair or replace your vehicle after car accidents and non-collision events like theft.[1]
The table below shows average insurance premiums for a Toyota Camry compared to all vehicles, according to Compare.com data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Toyota Camry | $122 | $225 | $174 |
| All vehicles | $114 | $210 | $162 |
Camry owners pay an average of $122 per month for liability coverage and $225 for full-coverage car insurance, with an overall average of $174. That’s slightly higher than the national average of $162.
In the sections below, we compare the cheapest insurers for the Toyota Camry and break down how Camry rates vary by model year, driver age, location, driving history, coverage choices, and insurer costs.
Compare personalized quotes from top insurance companies.
Auto insurers use unique risk models and compare factors like driver profiles, age, and coverage options when setting rates. This is why car insurance rates are different from insurer to insurer, even for the same Camry.
The following table highlights the cheapest insurance companies for Camry coverage, according to Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $131 |
| American Family | $140 |
| GEICO | $143 |
| CSAA | $157 |
| Nationwide | $169 |
| Progressive | $173 |
| Travelers | $177 |
| Farmers | $200 |
| Liberty Mutual | $238 |
| Amica | $450 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
J.D. Power consistently ranks USAA as one of the best car insurance companies in the country. The insurer offers low rates and a range of discounts, including SafePilot, which can help save Camry drivers up to 30% off their premiums. The USAA perks program also offers additional savings for travel, shopping, and car maintenance costs.
Outstanding claims and customer service
Perks program offers additional benefits
Must be a military member, veteran, or be directly related to a military member
Diminishing deductibles not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
With a team of more than 19,000 local agents, State Farm provides personalized service nationwide. What it lacks in coverage options, like gap insurance, it makes up for with low rates. State Farm also has strong discount opportunities, including its Drive Safe & Save telematics program, which could help you save up to 30% to insure your Camry.
Highly rated claims and customer service
Excellent mobile app reviews
No accident forgiveness
Less generous for drivers with bad credit
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
You can earn extra savings on Camry car insurance from Allstate with two usage-based insurance programs. Milewise is pay-per-mile coverage and offers potential savings to low-mileage drivers, while Drivewise is a telematics program that discounts premiums for safe driving habits.
Though some customers report the Android app drains their phone’s battery, many policyholders love the iOS app.
Accident forgiveness available
Pay-per-mile coverage available
Below-average customer and claims satisfaction
Potential issues with Android mobile app
The age of your vehicle plays an important role in determining car insurance rates because as a new car ages, it loses value. This lowers the cost of comprehensive and collision coverage since the maximum payout in the event of a claim also goes down.
Here’s how average premiums change over time for the Toyota Camry, based on data from Compare.com.
Camry Model Year | Average Monthly Premium |
|---|---|
| 2026 | $209 |
| 2025 | $210 |
| 2024 | $210 |
| 2023 | $209 |
| 2022 | $209 |
| 2021 | $202 |
| 2020 | $193 |
| 2019 | $189 |
| 2018 | $182 |
| 2017 | $179 |
| 2016 | $174 |
| 2015 | $170 |
| 2014 | $168 |
| 2013 | $159 |
| 2012 | $154 |
| 2011 | $150 |
| 2010 | $148 |
| 2009 | $143 |
| 2008 | $141 |
| 2007 | $139 |
| 2006 | $137 |
| 2005 | $133 |
| 2004 | $130 |
| 2003 | $129 |
| 2002 | $130 |
| 2001 | $130 |
| 2000 | $128 |
Where you live affects how much you pay to insure your Toyota Camry. Drivers in more urban areas can usually expect to pay more for car insurance since accidents, theft, and vandalism are more common. Insurers also look at weather patterns, local laws, and other region-specific factors when setting rates.[2]
The map below shows the average Camry premiums by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Arizona | $153 |
| Arkansas | $165 |
| California | $187 |
| Colorado | $187 |
| Connecticut | $259 |
| Delaware | $217 |
| Florida | $202 |
| Georgia | $232 |
| Hawaii | $115 |
| Idaho | $95 |
| Illinois | $144 |
| Indiana | $119 |
| Iowa | $98 |
| Kansas | $135 |
| Kentucky | $180 |
| Louisiana | $195 |
| Maine | $127 |
| Maryland | $276 |
| Massachusetts | $137 |
| Michigan | $209 |
| Minnesota | $158 |
| Mississippi | $137 |
| Missouri | $165 |
| Montana | $136 |
| Nebraska | $131 |
| Nevada | $230 |
| New Hampshire | $80 |
| New Jersey | $245 |
| New Mexico | $132 |
| New York | $200 |
| North Carolina | $81 |
| North Dakota | $106 |
| Ohio | $112 |
| Oklahoma | $156 |
| Oregon | $139 |
| Pennsylvania | $147 |
| Rhode Island | $200 |
| South Carolina | $223 |
| South Dakota | $126 |
| Tennessee | $130 |
| Texas | $199 |
| Utah | $137 |
| Vermont | $130 |
| Virginia | $163 |
| Washington | $154 |
| District of Columbia | $286 |
| West Virginia | $134 |
| Wisconsin | $110 |
| Wyoming | $102 |
Driver age also plays a big role in car insurance pricing. Teens and young drivers tend to pay the highest premiums, with costs lowering dramatically by the time drivers reach their thirties. Seniors tend to pay the lowest rates. [3] [4]
Here’s how Toyota Camry insurance costs vary by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $334 |
| Adults | $174 |
| Seniors | $150 |
Find the best policy for your Camry.
Teen drivers pay higher rates due to inexperience behind the wheel and a higher risk for speeding and distracted driving. They also get into more accidents than other age groups. That said, some insurers offer better rates to teens and young drivers than others.
Here are the cheapest Toyota Camry auto insurance companies for teens and drivers younger than 25, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $149 |
| State Farm | $165 |
| Allstate | $210 |
| American Family | $224 |
| GEICO | $229 |
Car insurance companies typically offer the lowest rates to senior drivers due to their experience, lower annual mileage, and decreased likelihood of being at fault in a car accident. But some insurers offer even lower rates and even senior discount programs.
The chart below highlights the cheapest insurers for senior Camry drivers, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $79 |
| State Farm | $88 |
| Allstate | $111 |
| American Family | $119 |
| GEICO | $122 |
How you’ve driven in the past indicates how you’ll likely drive in the future. That’s why your driving history influences your car insurance rates so much. Insurers prefer drivers with clean driving records and offer them lower rates and safe driving discounts.
Drivers with speeding tickets or more serious violations like driving under the influence (DUI) convictions usually pay much higher rates.
Here’s how average rates for Camry drivers change depending on the policyholder’s driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $174 |
| Speeding ticket | $233 |
| At-fault accident | $249 |
| DUI | $292 |
A speeding ticket can cause insurance costs to spike by 30% or more, according to Compare.com research. Speeding indicates a higher risk for claims as it plays a role in 29% of accident-related deaths. But some insurance companies may offer lower rates than others.
The chart below lists the cheapest options for Camry drivers with a ticket based on data from Compare.com.
Category | Price |
|---|---|
| USAA | $120 |
| State Farm | $128 |
| Allstate | $170 |
| American Family | $182 |
| GEICO | $192 |
Car accidents often raise insurance rates considerably because drivers with an at-fault accident on their record run an 88% higher risk for future accidents than drivers with clean records. Even so, insurance companies can sometimes provide cheaper-than-average rates for this group.
The following chart shows the cheapest auto insurers for Camry drivers with an accident, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $121 |
| State Farm | $131 |
| Allstate | $170 |
| GEICO | $173 |
| American Family | $183 |
A DUI conviction causes one of the largest car insurance rate increases because driving under the influence indicates a much higher risk of future claims. Nearly 30% of accident deaths involve drunk drivers. Plus, drivers with one DUI pose a high risk of recidivism.
Camry drivers with a DUI can still find affordable coverage. See the chart below for insurers with the cheapest premiums for drivers with a DUI, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $136 |
| State Farm | $151 |
| Allstate | $192 |
| GEICO | $195 |
| American Family | $205 |
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A vehicle’s features and specs can also affect what you pay for car insurance, including:
Cost: A new 2026 Toyota Camry retails between $31,100 for the LE and $37,200 for the XSE. This places it well under the average price for a new vehicle, potentially lowering premiums.[5]
Trim level: More expensive trim models typically cost more to insure than the base model.
Horsepower: The Camry offers somewhat higher-than-average horsepower, which can elevate insurance costs.
Safety features: The Camry’s lane departure warning system, pedestrian detection, and other advanced technology may lower the risk of accidents and your premiums.
Repair costs: Advanced technology can also increase repair costs, eroding those premium savings.
Get real-time quotes and save money on your next policy.
We’ve identified some of the best strategies Camry drivers can use to get lower insurance rates:
Raise deductibles: Higher deductibles lower corresponding insurance premiums, like collision and comprehensive coverage.
Improve your credit: Drivers with bad credit pay much higher rates than those with good credit. Even modest improvements can translate into car insurance savings.
Stack discounts: Combine insurance discounts to save, and consider bundling auto with homeowners coverage for even lower rates.
Try telematics: Telematics programs usually offer one of the biggest discounts available in exchange for safe driving.
Shop for quotes regularly: Compare car insurance quotes every six months to make sure you always pay the best rate.
We’ve answered the most common questions Camry drivers ask about getting car insurance below.
No. Toyota Camry insurance costs an average of $174 per month, or $2,088 annually. This is only slightly more than the national average for all vehicles of $162 per month.
USAA offers the cheapest car insurance rates for Camry drivers, with average premiums of $93 per month. State Farm and Allstate offer the next cheapest average premiums, at $103 and $131, respectively.
The average premium for a 2026 Toyota Camry costs $209 per month. That said, rates vary considerably based on the driver’s age, location, driving history, and other factors. For example, the Camry XSE or XLE typically costs more to insure than the Camry SE or LE.
The Toyota Sienna is the cheapest Toyota model to insure, according to research from Compare.com. Liability insurance costs $88 per month, while full-coverage premiums average $165 monthly.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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