2021 Toyota Camry Car Insurance Calculator

Get instant feedback how changes to different risk factors influence insurance rates for a 2021 Toyota Camry. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover how changes you make impact the rate.

The average estimated car insurance premium for a 2021 Toyota Camry is $2,114 per year, or about $176 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

$2,114

Cost Per Month

$176

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 2021 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.

$2,114
Average Rate
Your Rate
$2,114

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 2021 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 2021 Toyota Camry is $2,114.

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.

2021 Toyota Camry vs. the Midsize Car Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota Camry Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Insight$1,934-$180
2Mazda 6$1,970-$144
3Chevrolet Malibu$1,996-$118
4Toyota Camry$2,114--
5Subaru Legacy$2,124$10
6Volkswagen Passat$2,132$18
7Honda Accord$2,134$20
8Nissan Altima$2,146$32
2021 Midsize Car Average$2,171$57
9Kia K5$2,178$64
10Volkswagen Arteon$2,310$196
11Tesla Model 3$2,360$246
12Hyundai Sonata$2,400$286
13Kia Stinger$2,428$314

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.

2021 Camry Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota Camry Insurance Rates by Trim Level
2021 Toyota Camry Trim Level Annual Premium Cost Per Month
L Sedan$1,916$160
LE Sedan$1,936$161
SE Sedan$2,000$167
XLE Sedan$2,046$171
XSE Sedan$2,110$176
Hybrid LE Sedan$2,260$188
Hybrid SE Sedan$2,324$194
Hybrid XLE Sedan$2,324$194

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 2021 Toyota Camry for different driver ages.

2021 Toyota Camry Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,567$631
17$7,328$611
18$6,563$547
19$5,976$498
20$4,574$381
21$4,362$364
22$3,904$325
23$3,201$267
24$3,028$252
25$2,454$205
30$2,254$188
35$2,170$181
40$2,114$176
45$1,976$165
50$1,874$156
55$1,750$146
60$1,756$146
65$1,870$156
70$2,020$168
75$2,380$198
80$2,938$245

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.