2022 Toyota Camry Car Insurance Calculator

Find out how choices you make impact car insurance rates for a 2022 Toyota Camry. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if rates change for better or worse.

The average estimated car insurance premium for a 2022 Toyota Camry is $2,102 per year, or about $175 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

$2,102

Cost Per Month

$175

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 2022 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.

$2,102
Average Rate
Your Rate
$2,102

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 2022 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 2022 Toyota Camry is $2,102.

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.

2022 Toyota Camry vs. the Midsize Car Segment

The table below compares insurance rates for the 2022 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.

2022 Toyota Camry Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Legacy$2,072-$30
2Honda Insight$2,078-$24
3Kia K5$2,094-$8
4Toyota Camry$2,102--
5Volkswagen Passat$2,112$10
6Mazda 6$2,130$28
7Honda Accord$2,228$126
2022 Midsize Car Average$2,228$126
8Chevrolet Malibu$2,234$132
9Tesla Model 3$2,246$144
10Volkswagen Arteon$2,326$224
11Nissan Altima$2,390$288
12Hyundai Sonata$2,432$330
13Kia Stinger$2,520$418

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.

2022 Camry Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Toyota Camry Insurance Rates by Trim Level
2022 Toyota Camry Trim Level Annual Premium Cost Per Month
LE$1,962$164
XLE$1,972$164
XLE AWD$1,994$166
LE AWD$2,018$168
SE$2,036$170
SE AWD$2,056$171
SE Nightshade Edition$2,062$172
SE Nightshade Edition AWD$2,082$174
XSE$2,084$174
XSE AWD$2,104$175
XLE V6$2,108$176
LE Hybrid$2,146$179
XSE V6$2,150$179
TRD$2,164$180
SE Hybrid Nightshade Edition$2,204$184
XLE Hybrid$2,302$192
XSE Hybrid$2,310$193

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 2022 Toyota Camry for different driver ages.

2022 Toyota Camry Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,482$624
17$7,247$604
18$6,493$541
19$5,912$493
20$4,529$377
21$4,324$360
22$3,873$323
23$3,180$265
24$3,007$251
25$2,440$203
30$2,242$187
35$2,158$180
40$2,102$175
45$1,968$164
50$1,866$156
55$1,740$145
60$1,746$146
65$1,860$155
70$2,006$167
75$2,362$197
80$2,906$242

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.