If you are asking how much car insurance costs for a Toyota Camry, the short and clear answer is this. Most drivers in the United States pay between $110 and $180 per month for full coverage insurance on a Toyota Camry. That equals about $1,320 to $2,160 per year. Drivers who choose liability only coverage usually pay much less, often between 55 and 85 dollars per month. Your exact price depends on your age, driving history, credit profile, location, coverage choice, and the model year of your Camry.
The Toyota Camry is one of the most popular midsize sedans in the USA. Drivers trust it for daily commuting, family use, and long trips. Insurance companies also like the Camry because it has a strong safety record, reliable performance, and affordable repair costs. These factors help keep insurance rates lower than many other midsize cars and far lower than sports or luxury vehicles.
That said, not everyone pays the same price. A driver in their thirties with a clean record and good credit may pay close to 115 dollars per month. A young driver or someone with tickets or accidents may pay 230 dollars per month or more. Where you live also matters a lot. Urban areas with heavy traffic, higher theft risk, or strict insurance rules often lead to higher premiums.
This guide gives you a full and honest breakdown of Toyota Camry insurance costs in the USA. You will learn average prices by age, state, coverage type, and model year. You will also see how trim levels, hybrid models, safety features, and driving habits affect your rate.
Average Cost of Toyota Camry Insurance in the USA
The Toyota Camry is known for balanced insurance pricing. It usually costs less to insure than SUVs and luxury sedans.
Average Monthly and Yearly Insurance Cost
| Coverage Type | Monthly Cost | Yearly Cost |
| Liability only | 55 to 85 dollars | 660 to 1,020 dollars |
| Full coverage | 110 to 180 dollars | 1,320 to 2,160 dollars |
These estimates assume a driver with a clean record and average credit.
Why Is Toyota Camry Insurance Often Affordable?
Insurance companies look at risk, safety, and repair cost when setting prices.
Key Reasons Camry Rates Stay Reasonable
- Strong crash test scores from safety agencies
- Standard safety features on newer models
- Affordable parts and wide repair availability
- Low rate of severe injury claims
- Not considered a high performance car
Because of these points, insurers see the Camry as a stable and low risk vehicle.
Toyota Camry Insurance Cost by Age
Age is one of the biggest factors that affects car insurance pricing.
Average Monthly Cost by Age Group
| Driver Age | Liability Only | Full Coverage |
| 16 to 19 | $145 to $210 dollars | $260 to $380 dollars |
| 20 to 24 | $95 to $140 dollars | $175 to $260 dollars |
| 25 to 34 | $65 to $95 dollars | $120 to $170 dollars |
| 35 to 54 | $55 to $80 dollars | $105 to $150 dollars |
| 55 and up | $50 to $75 dollars | $95 to $140 dollars |
Rates usually drop after age 25 if the driver keeps a clean record.
Toyota Camry Insurance Cost by State
Where you live has a strong effect on how much you pay.
Average Full Coverage Cost by State
| State | Monthly Cost | Yearly Cost |
| California | $150 dollars | 1,800 dollars |
| Texas | $145 dollars | 1,740 dollars |
| Florida | $185 dollars | 2,220 dollars |
| New York | $165 dollars | 1,980 dollars |
| Illinois | $135 dollars | 1,620 dollars |
| Ohio | $115 dollars | 1,380 dollars |
States with high traffic, weather risks, or no fault laws often cost more.
Toyota Camry Insurance Cost by Model Year
Newer Camry models usually cost more to insure due to higher value and repair costs.
Average Full Coverage Cost by Model Year
| Model Year | Monthly Cost |
| 2010 to 2014 | $100 to $130 dollars |
| 2015 to 2019 | $110 to $150 dollars |
| 2020 to 2024 | $130 to $180 dollars |
Older Camry models may not need full coverage if the car value is low.
Does Toyota Camry Trim Level Affect Insurance?
Yes. Trim level can slightly change your insurance rate.
Common Camry Trims and Insurance Impact
- LE and SE trims usually have the lowest rates
- XLE and XSE trims cost slightly more
- TRD trim costs more due to sport tuning
- Hybrid trims may raise costs due to battery repair
Higher trims often cost more to fix, which raises premiums.
Toyota Camry Hybrid Insurance Cost
Hybrid models usually cost a bit more to insure.
Why Hybrid Insurance Can Be Higher
- Battery replacement is expensive
- Specialized repair work is needed
- Fewer repair shops handle hybrid systems
That said, many insurers still offer competitive pricing for Camry Hybrid models.
Liability vs Full Coverage for a Toyota Camry
Choosing coverage type changes both cost and protection.
Liability Only Coverage
- Covers damage you cause to others
- Lowest monthly cost
- Best for older Camry models
Full Coverage Insurance
- Includes liability, collision, and comprehensive
- Required for financed or leased cars
- Covers theft, weather, and at fault accidents
Most drivers with newer Camrys choose full coverage.
How Driving Record Affects Toyota Camry Insurance
Your driving history plays a major role in pricing.
Average Rate Increase by Violation
| Violation Type | Rate Increase |
| Speeding ticket | 20 to 30 percent |
| At fault accident | 40 to 60 percent |
| DUI conviction | 80 to 120 percent |
Safe driving keeps long term insurance costs low.
How Credit Score Affects Toyota Camry Insurance
In most states, credit based insurance scores affect rates.
General Credit Impact
- Excellent credit often lowers premiums
- Average credit keeps rates stable
- Poor credit can increase rates by 30 percent or more
Some states limit or ban credit use in pricing.
Safety Features That Can Lower Camry Insurance
Toyota Camry models include strong safety technology.
Insurance Friendly Safety Features
- Automatic emergency braking
- Lane departure alert
- Adaptive cruise control
- Blind spot monitoring
- Anti theft engine immobilizer
Cars with these features often qualify for discounts.
Is Toyota Camry Insurance Cheaper Than Other Sedans?
The Camry is very competitive within its class.
Insurance Cost Comparison
| Vehicle | Avg Monthly Cost |
| Toyota Camry | 140 dollars |
| Honda Accord | 145 dollars |
| Nissan Altima | 150 dollars |
| Hyundai Sonata | 155 dollars |
The Camry often stays near the lower end of midsize sedan pricing.
Best Insurance Companies for Toyota Camry Owners
Most major insurers offer good pricing for Camry drivers.
Providers Commonly Offering Competitive Rates
- State Farm
- GEICO
- Progressive
- Allstate
- Nationwide
Rates depend on personal details, so comparing quotes matters.
Best Ways to Lower Toyota Camry Insurance Costs
Small steps can create real savings.
Practical Ways to Save Money
- Compare quotes every year
- Increase deductible if affordable
- Bundle auto and home insurance
- Keep a clean driving record
- Ask about low mileage discounts
- Complete defensive driving courses
Many drivers overpay simply by not shopping around.
Small steps can create real savings.
Practical Ways to Save Money
- Compare quotes every year
- Increase deductible if affordable
- Bundle auto and home insurance
- Keep a clean driving record
- Ask about low mileage discounts
- Complete defensive driving courses
Many drivers overpay simply by not shopping around.
Toyota Camry Insurance for Seniors
Older drivers often get the best rates.
Why Seniors Pay Less
- More driving experience
- Fewer risky behaviors
- Discount eligibility
Safe senior drivers often enjoy the lowest premiums.
Frequently Asked Questions (FAQs)
No. The Toyota Camry is considered affordable to insure compared to many midsize cars.
Yes. Older models often cost less, especially with liability only coverage.
The Camry has moderate theft rates, but newer models include strong theft protection.
It can be slightly higher due to battery repair costs.
Yes, especially for newer or financed Camry models.
Final Thoughts
The Toyota Camry remains one of the best choices in the USA for drivers who want affordable insurance, strong safety, and long term reliability. While your exact cost depends on personal factors, most Camry owners pay less than the national average for midsize sedans. Comparing quotes and choosing the right coverage can save you hundreds each year. If you want fast and clear insurance options from top providers, Alias Insurance helps you find the right Toyota Camry coverage without confusion or pressure.
