2018 Toyota Camry Car Insurance Calculator

See and learn how changes to risk factors and vehicle options affect the cost of insurance for a 2018 Toyota Camry. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2018 Toyota Camry is $1,850 per year, or about $154 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,850

Cost Per Month

$154

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Camry Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 Toyota Camry.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,850
Average Rate
Your Rate
$1,850

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 Toyota Camry trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 Toyota Camry is $1,850.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 Toyota Camry vs. the Midsize Car Segment

The table below compares insurance rates for the 2018 Toyota Camry against all other models in the midsize car segment. The Toyota Camry is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Camry, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Camry.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 Toyota Camry Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda 6$1,692-$158
2Buick Cascada$1,694-$156
3Subaru Legacy$1,782-$68
4Buick Regal$1,792-$58
5Toyota Camry$1,850--
6Buick LaCrosse$1,870$20
7Chevrolet Malibu$1,872$22
8Volkswagen Passat$1,898$48
9Honda Accord$1,900$50
2018 Midsize Car Average$1,901$51
10Kia Optima$1,934$84
11Hyundai Sonata$1,986$136
12Nissan Altima$1,996$146
13Ford Fusion$2,006$156
14Tesla Model 3$2,082$232
15Kia Stinger$2,156$306

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 Camry Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Toyota Camry.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 Toyota Camry Insurance Rates by Trim Level
2018 Toyota Camry Trim Level Annual Premium Cost Per Month
L Sedan$1,656$138
LE Sedan$1,730$144
SE Sedan$1,788$149
XLE Sedan$1,882$157
XSE Sedan$1,882$157
Hybrid LE Sedan$1,938$162
Hybrid SE Sedan$1,938$162
Hybrid XLE Sedan$1,994$166

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Toyota Camry for different driver ages.

2018 Toyota Camry Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,738$562
17$6,487$541
18$5,734$478
19$5,246$437
20$3,994$333
21$3,813$318
22$3,399$283
23$2,814$235
24$2,648$221
25$2,144$179
30$1,966$164
35$1,902$159
40$1,850$154
45$1,736$145
50$1,648$137
55$1,540$128
60$1,544$129
65$1,642$137
70$1,794$150
75$2,132$178
80$2,634$220

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Camry trim levels.