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Toyota Camry Insurance Rates by Model Year
The Toyota Camry is one of America's best-selling sedans, and its insurance costs reflect a vehicle that insurers know well. Rates trend upward for newer model years — not simply because they're newer, but because advanced technology and higher vehicle values drive up potential claim costs. Here's a breakdown of average monthly premiums across model years:
| Model Year | Liability Only (Monthly) | Full Coverage (Monthly) |
|---|---|---|
| 2026 | $123 | $206–$241 |
| 2025 | $110–$148 | $175–$271 |
| 2024 | $102–$143 | $197–$261 |
| 2023 | $100–$145 | $194–$265 |
| 2022 | $92–$135 | $178–$247 |
| 2021 | $82–$127 | $158–$233 |
| 2020 | $93–$127 | $180–$232 |
| 2019 | $94–$119 | $182–$217 |
| 2018 | $93–$117 | $179–$214 |
| 2017 | $87–$107 | $168–$195 |
| 2016 | $105–$129 | $193–$250 |
Sources: MoneyGeek, Insurify, The Zebra, 2026. Rates based on a 40-year-old driver with a clean record. Ranges reflect variation across insurers and driver profiles.
On an annual basis, full coverage for a Toyota Camry averages around $2,039 to $2,889 per year — which remains broadly competitive with the national full-coverage average of approximately $2,144 per year for all vehicles (which declined 6% in 2025). State minimum coverage runs closer to $1,260–$1,776 per year for those looking to keep costs lean. The 2026 Camry is available across five hybrid trims — LE, SE, Nightshade, XLE, and XSE — starting at $29,300 MSRP, and represents the third consecutive year the Camry has been sold exclusively as a hybrid in the U.S. All 2026 models come standard with Toyota Safety Sense 3.0, which includes automatic emergency braking, adaptive cruise control, lane departure alert with steering assist, and lane tracing assist.
Why Newer Camrys Cost More to Insure
It may seem counterintuitive — newer Camrys are safer than ever, yet they cost more to insure. The answer lies in repair complexity and vehicle value. Modern Camrys (2022 and newer) are packed with Advanced Driver Assistance Systems (ADAS) including adaptive cruise control, automatic emergency braking, lane departure warning, and camera-based systems. When these components are involved in even a minor collision, repair costs can be substantial — requiring OEM parts, specialized technicians, and full sensor recalibration.
Additionally, the higher MSRP of newer trims (up to $38,220 for the 2026 XSE) means insurers face higher payouts on comprehensive and collision claims. The safety features help reduce the likelihood of accidents, which does lower liability-related costs — but the physical damage side of the equation goes up. Understanding what affects your car insurance rates can help you anticipate these dynamics before you buy.
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Hybrid vs. Gas: Which Camry Costs More to Insure?
Since 2025, all new Camrys sold in the U.S. are hybrid-only. If you're comparing a newer hybrid to an older gas model on the used market, there are real insurance cost differences to understand.
On average, hybrids cost around 7% more to insure than their gas-only counterparts due to the added complexity of the battery system and electric motor. For the Camry specifically, the monthly difference by trim looks like this:
| Trim | Min. Coverage (Monthly) | Full Coverage (Monthly) |
|---|---|---|
| 2026 LE Hybrid FWD | $75 | $145 |
| 2026 SE Hybrid FWD | $81 | $157 |
| 2026 XLE Hybrid FWD | $89 | $173 |
| 2026 XSE Hybrid FWD | $92 | $178 |
| Older Gas Camry (avg.) | $71–$73 | $137–$140 |
Source: MoneyGeek, The Zebra, 2026. Estimates based on a 40-year-old with a clean record.
Over a 5-year period, total insurance costs for both versions are estimated to be nearly equal, and the hybrid's superior fuel efficiency can also offset any marginal premium increase over time. To understand how your vehicle's powertrain type affects overall ownership cost, our guide on collision insurance coverage breaks down how repair complexity affects what you pay after an accident.
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Best Insurance Companies for Toyota Camry Owners
Not all insurers price the Camry the same way. Shopping around can save you hundreds of dollars per year. Here are the most competitive companies for Camry owners in 2026:
| Insurance Company | Full Coverage (Annual) | Full Coverage (Monthly) | Best For |
|---|---|---|---|
| USAA | ~$1,977 | ~$138–$165 | Military & veterans |
| Progressive | ~$1,924 | ~$160 | Most drivers / high-risk |
| Nationwide | ~$2,016 | ~$168 | Safe drivers |
| State Farm | ~$2,325 | ~$165–$194 | Personalized service |
| GEICO | ~$2,373 | ~$164–$198 | Tech-savvy drivers |
Sources: The Zebra, Insurify, MoneyGeek, 2026. Rates for 2025 Camry, 40-year-old driver with clean record.
USAA consistently offers the lowest rates among traditional carriers, but eligibility is restricted to military members, veterans, and their families. For everyone else, Progressive and Nationwide are strong starting points in 2026 — Progressive edged out most competitors for the 2025 model year's cheapest full coverage among open-market insurers. State Farm and GEICO are solid choices for drivers who want broad agent networks and policy flexibility. For a full breakdown of today's top carriers, see our best car insurance companies guide.
How Camry Insurance Compares to Competitors
The Toyota Camry holds its own well against rivals in the mid-size sedan segment. Here's how it stacks up:
| Vehicle | Avg. Annual Full Coverage | Notes |
|---|---|---|
| Toyota Camry | ~$2,039–$2,889 | Broadly competitive with the national average of ~$2,144 |
| Honda Accord | ~$2,100–$2,800 | Comparable; slightly higher in most markets |
| Nissan Altima | ~$2,200–$2,900 | Higher theft rates push rates up noticeably |
The Honda Accord and Camry are comparable depending on insurer and location. The Nissan Altima tends to run meaningfully higher than the Camry due to higher historical theft rates and performance trim options. You can explore a similar breakdown in our Honda Civic insurance cost guide to see how compact cars compare.
How to Save on Toyota Camry Car Insurance
There are several proven strategies Camry owners can use to reduce their premiums without sacrificing coverage quality.
1. Shop and Compare Quotes Annually
National auto insurance prices declined approximately 6% in 2025, meaning drivers who shopped around or renegotiated captured real savings. Even if you got a great deal two years ago, a competing insurer may now offer significantly lower rates. Use comparison tools and get at least three to five quotes each renewal cycle. Our guide on how to get car insurance quotes walks you through the process step by step, and our car insurance comparison shopping guide can help you evaluate beyond just price.
2. Bundle Your Policies
Combining your auto insurance with homeowners or renters insurance through the same provider can knock 10–25% off your total premium. Allstate, State Farm, and GEICO all offer meaningful multi-policy discounts, and carriers increasingly offer expanded "lifestyle bundles" that include pet or travel coverage as well.
3. Take Advantage of Safety Feature Discounts
The Camry comes standard with Toyota Safety Sense 3.0, which includes automatic emergency braking, lane departure alert, lane tracing assist, and adaptive cruise control. Many insurers — including GEICO and State Farm — offer discounts of 5–20% for these factory-installed features. Always ask your insurer directly if your Camry's safety tech qualifies. Our guide on car insurance discounts covers more than 20 ways to reduce your premium.
4. Opt Into Telematics Programs
Programs like Progressive's Snapshot, State Farm's Drive Safe & Save, and GEICO's DriveEasy monitor your driving habits and can reward safe drivers with discounts of up to 40%. Camry drivers with clean records and low mileage tend to do very well in these programs. See our usage-based insurance comparison to find out which program delivers the best savings for your driver profile.
5. Raise Your Deductible
Increasing your deductible from $500 to $1,000 can lower your full coverage premium by 10–20%, potentially saving hundreds per year. Just make sure you have the savings to cover the higher out-of-pocket cost if you need to file a claim. Learn more in our collision coverage guide to understand how deductibles affect your overall costs.
6. Keep a Clean Driving Record
Your driving history is one of the biggest factors affecting your rate. A single at-fault accident can raise your Camry insurance by 30–50%, and a DUI can spike premiums even more dramatically. Defensive driving courses — often available online — can both improve your habits and qualify you for additional discounts of 5–15%. To fully understand every factor that shapes your premium, learn more about what affects car insurance rates.
Frequently Asked Questions
How much does it cost to insure a Toyota Camry per month?
The average monthly cost for Toyota Camry insurance is approximately $175–$271 for full coverage and $110–$148 for liability-only, depending on your model year, insurer, and location. Newer models like the 2025–2026 Camry sit at the higher end of that range. Your personal rate will also be shaped by your age, driving record, location, and chosen coverage limits. Drivers in high-cost states like New York or Nevada may pay significantly more than those in lower-cost states like Iowa or Virginia.
Is the Toyota Camry cheap to insure compared to other sedans?
Yes — the Toyota Camry is generally considered affordable to insure within the mid-size sedan class. Full coverage averages around $2,039–$2,889 per year, broadly competitive with the 2025 national full-coverage average of approximately $2,144 for all vehicles. Compared to rivals, it's roughly on par with or cheaper than the Honda Accord, and noticeably cheaper than the Nissan Altima. The Camry's strong safety ratings and widespread availability of parts help keep claims manageable for insurers.
Does the Toyota Camry Hybrid cost more to insure than the gas version?
The hybrid version typically costs about 7% more to insure due to the added complexity of the battery pack and electric motor. However, monthly premium differences between comparable trims are often only $5–$15. Over a 5-year period, total insurance costs for both versions are estimated to be nearly equal, and the hybrid's superior fuel efficiency can also offset any marginal premium increase. See our car insurance discounts guide to discover savings that apply to any powertrain.
Which insurance company is cheapest for a Toyota Camry?
USAA consistently offers the lowest rates for eligible drivers — military members, veterans, and their families — at roughly $138–$165 per month for full coverage on a recent Camry. For non-military drivers, Progressive and Nationwide are typically the most affordable open-market options in 2026, with annual full coverage coming in around $1,924–$2,016. State Farm and GEICO are also competitive, particularly for minimum coverage. Always compare at least three to five quotes to find your personal best rate.
Why does a newer Camry cost more to insure even with better safety features?
Newer Camrys are equipped with sophisticated ADAS technology — sensors, cameras, and radar systems — that are expensive to repair or replace after even minor collisions. While these features reduce accident frequency, they significantly raise the cost of physical damage claims when accidents do occur. Additionally, a higher vehicle value means larger payouts on comprehensive and collision claims. This combination causes insurers to charge higher premiums for newer model years despite their improved safety records.