Toyota Camry Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Camry costs less than most other cars to insure.

• Liability only auto insurance prices for a Camry come in at about $85 monthly, while full coverage typically tends to be around $170 a month.

• The lowest car insurance company for a Camry is Multi-State.

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Camry Overview

With a base price of just $25,295 for 2022 models, the Toyota Camry is a great budget-friendly option for any driver. There are seven different trim levels currently available, so there's something there for every driver.

We combed through thousands of insurance quotes on Compare.com, and we've found that Toyota Camry auto insurance premiums run about $179 per month, on average. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Toyota Camry?

In the table above, you'll see that Toyota Camry insurance rates are right around average compared to other vehicles on the road. Camry owners generally pay about $85 a month for liability insurance, and around $170 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other Toyota models, the Camry's insurance rate is in line with the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, insurance for a Camry runs close to average, with full coverage insurance premiums 4% cheaper than other cars and liability insurance prices coming in at 2% higher.

The Toyota Camry also has average rates when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Toyota Camry?

If you're browsing for a new car insurance policy for your Toyota Camry, you may be wondering which carrier offers the most affordable premiums. Although there will never be one company that offers the most affordable prices for everyone, CaliforniaCasualty provides the cheapest average rates for liability only coverage, with rates as low as $28 a month. With car insurance as low as just $42 monthly, MetroMile is the next lowest car insurance carrier.

Aspire, American Family, and Shelter Mutual round out the rest of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Toyota Camry.

Auto insurance companies use a whole range of things and complex formulas to calculate rates. By getting quotes from a whole bunch of auto insurance carriers at once, you can rest easy knowing that you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Toyota Camry?

As we mentioned above, there are a range of variables that car insurance companies take a look at to choose how much they charge -- and each company weighs certain factors more than others, so there's not a singular carrier that's the most affordable for everyone.

Below are just a few of the factors insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Toyota Camry has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Camrys begin to depreciate, insurance costs will gradually go lower.

As you can see in the information above, the Toyota Camry follows this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Camrys that are 15 years old or more.

Your Age

Age is another factor that makes a significant difference in how much insurance companies will charge for a policy. Based on the information in the table above, the youngest Camry drivers pay more expensive premiums compared to those who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Camry drivers being 55-64.

Your Gender

Did you know women usually pay less for auto insurance than men? This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. The Toyota Camry follows this convention, and men pay about 10% more than women per month for car insurance.

Where You Live

You were probably already aware that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live is just as important? Because insurance is regulated on the state level rather than nationally, premiums can differ quite a bit from state to state.

For example, the average Toyota Camry driver in New York pays around $210 a month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Toyota Camry Car Insurance Discounts

No matter how old you are, what state you call home, or which car you drive, using as many discounts as possible when it comes to your auto insurance policy is always important.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same company
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than by monthly payments
• Multi-vehicle discounts for adding more than one car to your auto policy

There are countless ways to save money on your car insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you may not have control of every variable auto insurance carriers take into account to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your advantage when it comes to saving money:

Your Driving Record

You've most likely noticed ads from car insurance companies promoting large discounts for safe drivers. It shouldn't come as a surprise that if you get speeding tickets or get into a collision, insurance rates will increase. But exactly how much will these infractions cost you?

If you look at the table above, you'll see that accidents will usually cost Camry drivers more than tickets, but both will result in above average rates. Toyota Camry drivers with a single accident on their record pay an average of $103 every month (up $18 from the $85/mo. overall average), while drivers with one ticket will pay about $96 per month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is how much you drive. Those who drive less often are more likely to go accident-free, so they'll normally end up spending less on auto insurance. In the table above, you can see that Toyota Camry owners who drive 10,000 miles or more pay $84 for insurance, while those who drive fewer than 2,500 miles each year pay about $82 monthly.

If you don't use your Toyota Camry to travel or commute regularly, it may be worth learning about pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Toyota Camrys Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Toyota Camry is on your shortlist, you're probably wondering how it compares to other vehicles. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Toyota Camry compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Toyota Camry is a great value for any budget. The Camry has an MSRP of $25,295, which is much cheaper than the national average vehicle MSRP of $42,283.

In the same fashion, auto insurance premiums run slightly below average when compared to the rest of the vehicle market. Liability insurance for a Toyota Camry is about $22 per month less than average, while full coverage is $4 more a month.

When it comes to usage, Toyota Camry owners drive about the same amount annually as the national average, with 11,758 miles a year compared to 11,660 for all vehicles.

Toyota Camry Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays to insure a Toyota Camry. But if you're in the market for a new car, truck, or SUV and the Camry is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

For this reason, we've crunched the numbers and broken down Toyota Camry car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like base price, available trims, and even the cheapest insurance carrier for each year the Camry has been around.

Choose Your Model

2022 Toyota Camry Car Insurance 2021 Toyota Camry Car Insurance 2020 Toyota Camry Car Insurance 2019 Toyota Camry Car Insurance 2018 Toyota Camry Car Insurance 2017 Toyota Camry Car Insurance 2016 Toyota Camry Car Insurance 2015 Toyota Camry Car Insurance 2014 Toyota Camry Car Insurance 2013 Toyota Camry Car Insurance 2012 Toyota Camry Car Insurance 2011 Toyota Camry Car Insurance 2010 Toyota Camry Car Insurance

2022 Toyota Camry Car Insurance

It costs around $59 monthly for liability or $173 for a full coverage policy for the 2022 Toyota Camry.

We found Aspire offered the cheapest policy, with rates as cheap as $26 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2021 Toyota Camry Car Insurance

On average, drivers who own a 2021 Camry can expect to pay $85 to $201 a month for liability only and full coverage insurance, respectively.

Clearcover offered the most affordable policy we found, with rates sometimes as low as $19 per month.

What will your auto insurance rate be? Enter your ZIP code below to get a variety of free personalized quotes.

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2020 Toyota Camry Car Insurance

The average cost to insure a 2020 Toyota Camry with liability only coverage is $106 monthly, while full coverage runs about $215 a month.

If you're looking for the lowest possible 2020 Toyota Camry insurance policy, DirectGeneral offered the lowest policy we found, with rates as cheap as just $24 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2020 Toyota Camry, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Toyota Camry Car Insurance

2019 Camry drivers can expect to pay an average of $102 per month for liability or $203 for full coverage.

Aspire has prices as little as $23 a month for the 2019 Toyota Camry.

If you want to know exactly how much you can expect to pay for your Camry, just enter your ZIP code below and get several free quotes in minutes.

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2018 Toyota Camry Car Insurance

You can expect full coverage for a 2018 Toyota Camry to run around $200 per month, while liability only coverage will average about $97 monthly.

With rates sometimes as cheap as $21 per month, Aspire offered the cheapest policy we found.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Toyota Camry Car Insurance

On average, drivers who own a 2017 Camry can expect to pay $96 to $187 monthly for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as little as just $19 a month.

Want to know just how much you'll pay? Just enter your ZIP code below to get several free customized quotes.

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2016 Toyota Camry Car Insurance

It costs around $99 per month for liability or $179 for a full coverage policy for the 2016 Toyota Camry.

With prices sometimes as little as $17 a month, Hugo offered the most affordable policy we found for the 2016 Toyota Camry.

If you want to know exactly how much you can expect to pay for your Camry, just enter your ZIP code below and get free quotes in minutes.

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2015 Toyota Camry Car Insurance

2015 Camry drivers can expect to pay an average of $87 monthly for liability or $171 for full coverage.

MetLife has premiums sometimes as low as $20 a month for the 2015 Toyota Camry.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2014 Toyota Camry Car Insurance

The average cost to insure a 2014 Toyota Camry with liability only coverage is $91 monthly, while full coverage runs about $173 per month.

With rates sometimes as little as $17 a month, Liberty Mutual offered the lowest policy we found for the 2014 Toyota Camry.

While these are good estimates of what the average driver might pay to insure a 2014 Toyota Camry, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Toyota Camry Car Insurance

You can expect full coverage for a 2013 Camry to run around $160 per month, while liability only coverage will average about $82 monthly.

We found Hugo offered the most affordable policy, with rates as low as just $17 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2012 Toyota Camry Car Insurance

The average cost to insure a 2012 Toyota Camry with liability only coverage is $90 monthly, while full coverage runs around $167 per month.

With prices as little as $18 a month, StateAuto offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Camry, get free quotes in minutes by just entering your ZIP code below.

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2011 Toyota Camry Car Insurance

2011 Camry drivers can expect to pay an average of $88 per month for liability or $162 for full coverage.

If you're looking for the cheapest possible 2011 Toyota Camry insurance policy, Commonwealth Casualty offered the lowest policy we found, with rates as low as $17 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get multiple personalized quotes for free.

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2010 Toyota Camry Car Insurance

You can expect full coverage for a 2010 Toyota Camry to run about $164 a month, while liability only coverage will average around $86 monthly.

Clearcover offered the cheapest policy we found, with rates sometimes as cheap as $17 per month.

These average rates are a great starting point if you're in the market for a 2010 Toyota Camry, but there are a variety of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Toyota Camry Insurance FAQs

Is a Toyota Camry expensive to insure?

The Toyota Camry is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $85 a month, while full coverage will cost you around $170.

How can I get the best price on car insurance for my Toyota Camry?

There's only one way to guarantee you're getting the most affordable rates -- regularly shopping around and comparing quotes from several carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Camry affect my insurance premiums?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's just a myth. There are several factors auto insurance carriers think about when they decide how much your policy will be, but the color of your car is not factored into that equation.

Do I need to have insurance before I buy a Toyota Camry?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Camry off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Toyota Camry?

You will find a ton of discounts out there for insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Camry has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to know is to contact your insurance carrier and ask about their discounts, since they vary quite a bit from company to company.