Toyota Camry vs. Honda Accord Insurance

Does the Toyota Camry or the Honda Accord have better insurance rates? We analyze auto insurance cost for the 2015 through 2023 model years to get an answer.

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  • When comparing 2023 models, a Toyota Camry has cheaper overall car insurance rates than a Honda Accord by an average of $112 per year.
  • For a 2023 Toyota Camry, average full-coverage car insurance rates range from $1,588 to $1,836 per year, while car insurance for a 2023 Honda Accord ranges from $1,696 to $1,988 for full-coverage.
  • Out of 11 models in the 2023 midsize car segment, the Toyota Camry ranks second and the Honda Accord ranks fifth for car insurance affordability.

Is Toyota Camry or Honda Accord insurance cheaper?

When comparing 2023 Toyota Camry and Honda Accord models, the model with the cheapest average car insurance rates is the Toyota Camry. Average insurance rates for the Toyota Camry are $1,720 per year, while insurance for the Honda Accord averages $1,832 per year.

Within each model, however, the cost of car insurance varies significantly depending on the vehicle trim level. For a 2023 Toyota Camry, rates range from the lowest rate of $1,588 per year for the LE model up to $1,836 for the XSE Hybrid model. For a 2023 Honda Accord, rates can range from $1,696 per year for the Hybrid model up to $1,988 for the Touring model.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level is the Toyota Camry LE at an average of $1,588 per year, and the highest-cost model and trim level is the Honda Accord Touring costing $1,988 per year.

For a 2023 Toyota Camry, the cheapest models are the LE, SE, and LE AWD. The cheapest Honda Accord models include the Hybrid, LX, and Hybrid Sport.

The table shown below compares the annual and monthly car insurance cost for 2023 Toyota Camry and Honda Accord models, showing cost for each trim level of both models.

2023 Toyota Camry vs Honda Accord Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,588$132
$1,624$135
$1,628$136
$1,652$138
$1,662$139
$1,684$140
$1,696$141
$1,700$142
$1,710$143
$1,728$144
$1,730$144
$1,734$145
$1,742$145
$1,750$146
$1,768$147
$1,774$148
$1,782$149
$1,786$149
$1,802$150
$1,814$151
$1,826$152
$1,828$152
$1,836$153
$1,850$154
$1,886$157
$1,898$158
$1,988$166

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Toyota Camry and a 2023 Honda Accord. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2023 Toyota Camry vs Honda Accord Insurance Cost by Trim Level

When comparing 2023 Toyota Camry and Honda Accord models, the model with the cheapest average car insurance rates is the Toyota Camry. Average insurance rates for the Toyota Camry are $1,720 per year, while insurance for the Honda Accord averages $1,832 per year.

The next chart illustrates the average cost to insure both 2023 models with different driver age groups. For a 2023 Toyota Camry, the average car insurance cost ranges from $1,568 to $3,418 per year for the example age groups. A 2023 Honda Accord costs from $1,668 to $3,660 to insure per year.

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Chart Data Details: Average insurance rates are for a 2023 Toyota Camry and a 2023 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2023 Toyota Camry vs. 2023 Honda Accord Insurance Cost
2023 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,418$1,816$1,720$1,568
Honda Accord$3,660$1,932$1,832$1,668

Out of 18 trim levels for the 2023 Toyota Camry, the cheapest auto insurance rates are on the LE trim at a cost of $1,588 per year. For the nine trims available for the Honda Accord, the cheapest 2023 trim to insure is the Hybrid trim at a cost of $1,696.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Toyota Camry LE at an average cost of $1,588 per year. The most expensive model and trim level is the Honda Accord Touring costing $1,988 per year.

The next two rate tables illustrate trim level insurance cost averages for both 2023 models, as well as an average rate for each model. The winner for the 2023 car insurance battle is the Toyota Camry.

2023 Toyota Camry

$1,720

Insurance Rates by Trim Level for 2023 Toyota Camry
2023 Toyota Camry TrimsRate
LE$1,588
SE1,624
LE AWD1,628
SE Nightshade1,652
SE AWD1,662
SE Nightshade AWD1,684
XLE1,700
XSE1,710
XLE AWD1,728
LE Hybrid1,730
XSE AWD1,734
TRD1,742
SE Hybrid1,768
SE Hybrid Nightshade1,782
XLE V61,786
XSE V61,802
XLE Hybrid1,826
XSE Hybrid1,836
2023 Toyota Camry Average Rate$1,720

2023 Honda Accord

$1,832

Insurance Rates by Trim Level for 2023 Toyota Camry
2023 Honda Accord TrimsRate
Hybrid$1,696
LX1,750
Hybrid Sport1,774
Sport1,814
Hybrid EX-L1,828
Sport Special Edition1,850
Hybrid Touring1,886
EX-L1,898
Touring1,988
2023 Honda Accord Average Rate$1,832

2022 Toyota Camry vs. Honda Accord

For 2022 Toyota Camry and Honda Accord models, the cheaper model to insure on average is the Toyota Camry. Insurance on the Toyota Camry averages $1,670 per year, and the Honda Accord costs an average of $1,774 per year.

Within each model, however, the cost of car insurance varies noticeably for each different trim level. For a 2022 Toyota Camry, insurance rates range from the cheapest rate of $1,558 per year for the LE model up to the highest rate of $1,836 for the XSE Hybrid model. For a 2022 Honda Accord, rates range from $1,624 per year for the Hybrid model up to $1,956 for the most expensive Touring model.

When trim-level rates for both models are compared, the lowest-cost model and trim level is the Toyota Camry LE at an average cost of $1,558 per year. The highest-cost model and trim level is the Honda Accord Touring costing $1,956 per year.

For a 2022 Toyota Camry, the cheapest models are the LE, XLE, and XLE AWD. The cheapest Honda Accord models include the Hybrid, Hybrid EX-L, and LX. From a cost-per-month basis, car insurance rates for all 2022 Toyota Camry and Honda Accord models range from $130 to $163 per month.

The table shown below compares the 12-month and monthly car insurance cost for 2022 Toyota Camry and Honda Accord models, showing average cost by trim level for each model.

2022 Toyota Camry vs Honda Accord Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,558$130
$1,564$130
$1,584$132
$1,602$134
$1,618$135
$1,624$135
$1,632$136
$1,636$136
$1,652$138
$1,654$138
$1,668$139
$1,672$139
$1,674$140
$1,706$142
$1,708$142
$1,714$143
$1,718$143
$1,728$144
$1,756$146
$1,778$148
$1,800$150
$1,832$153
$1,836$153
$1,852$154
$1,852$154
$1,956$163

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Toyota Camry and a 2022 Honda Accord. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2022 Toyota Camry vs Honda Accord Insurance Cost by Trim Level

The chart below calculates average Toyota Camry insurance rates and Honda Accord insurance rates for the 2022 model year and for different driver ages.

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Chart Data Details: Average insurance rates are for a 2022 Toyota Camry and a 2022 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2022 Toyota Camry vs. 2022 Honda Accord Insurance Cost
2022 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,316$1,760$1,670$1,522
Honda Accord$3,548$1,868$1,774$1,614

How does insurance cost for a 2022 Toyota Camry compare to a Honda Accord?

  • For a 16-year-old driver, insurance on a Toyota Camry costs an average of $5,964 per year and Honda Accord insurance costs an average of $6,418 per year, a difference of $454 per year.
  • A low deductible policy could cost up to $506 more per year for the Toyota Camry and $538 for the Honda Accord.
  • Individual policy coverages for the Toyota Camry cost around $742 for collision insurance, $410 for comprehensive coverage, and $518 for liability. For the Honda Accord, individual coverages cost an average of $818 for collision insurance, $400 for comprehensive coverage, and $556 for liability.
  • When compared to the national average car insurance rate of $1,728 per year, the Toyota Camry costs $58 less per year, while the Honda Accord costs $46 less per year.
  • The most expensive 2022 Toyota Camry to insure is the XSE Hybrid at $1,836 per year. The most expensive 2022 Honda Accord to insure is the Touring at $1,956 per year.
  • Being a safe driver could earn a discount of around $212 for the Toyota Camry and $226 for the Honda Accord.
  • For an 18-year-old driver, insurance on a Toyota Camry costs an average of $5,212 per year and Honda Accord insurance costs an average of $5,608 per year, a difference of $396 per year.
  • For a 19-year-old driver, insurance on a Toyota Camry costs an average of $4,718 per year and Honda Accord insurance costs an average of $5,072 per year, a difference of $354 per year.

The tables below detail insurance rates for all trim levels of 2022 Camry and Accord models. For 2022, Toyota Camry insurance has an average cost of $1,670 and the 2022 Honda Accord is $1,774, making the Toyota Camry cheaper by $104 per year.

2022 Toyota Camry

$1,670

Insurance Rates by Trim Level for 2022 Toyota Camry
2022 Toyota Camry TrimsRate
LE$1,558
XLE1,564
XLE AWD1,584
LE AWD1,602
SE1,618
SE AWD1,632
SE Nightshade Edition1,636
SE Nightshade Edition AWD1,652
XSE1,654
XSE AWD1,668
XLE V61,672
XSE V61,706
LE Hybrid1,708
TRD1,718
SE Hybrid Nightshade Edition1,756
XLE Hybrid1,832
XSE Hybrid1,836
2022 Toyota Camry Average Rate$1,670

2022 Honda Accord

$1,774

Insurance Rates by Trim Level for 2022 Toyota Camry
2022 Honda Accord TrimsRate
Hybrid$1,624
Hybrid EX-L1,674
LX1,714
Hybrid Sport1,728
Hybrid Touring1,778
Sport1,800
EX-L1,852
Sport Special Edition1,852
Touring1,956
2022 Honda Accord Average Rate$1,774

2021 Toyota Camry vs. Honda Accord

When comparing insurance cost for 2021 models, a Toyota Camry costs an average of $1,676 per year to insure and a Honda Accord costs $1,696, making the Toyota Camry cheaper to insure by $20 per year for 2021.

The next chart visualizes the average cost to insure the two models using drivers aged 20 to 50. For a 2021 Toyota Camry, the average cost of car insurance ranges from $1,528 to $3,342 per year for the illustrated age groups. A 2021 Honda Accord costs from $1,548 to $3,392 to insure per year.

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Chart Data Details: Average insurance rates are for a 2021 Toyota Camry and a 2021 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2021 Toyota Camry vs. 2021 Honda Accord Insurance Cost
2021 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,342$1,766$1,676$1,528
Honda Accord$3,392$1,784$1,696$1,548

For the eight trim levels available for the 2021 Toyota Camry, the cheapest model to insure is the L Sedan model at an average cost of $1,520 per year, or about $127 per month.

For the nine trim levels available for the Honda Accord, the cheapest 2021 trim level to insure is the LX Sedan trim at a cost of $1,504.

When car insurance rates for all 17 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Honda Accord LX Sedan at a cost of $1,504 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at an average cost of $1,846 per year.

The next two rate tables display the average cost to insure each trim level for a 2021 Toyota Camry and Honda Accord, plus an average rate for each model.

2021 Toyota Camry

$1,676

Insurance Rates by Trim Level for 2021 Toyota Camry
2021 Toyota Camry TrimsRate
L Sedan$1,520
LE Sedan1,534
SE Sedan1,586
XLE Sedan1,622
XSE Sedan1,670
Hybrid LE Sedan1,796
Hybrid SE Sedan1,846
Hybrid XLE Sedan1,846
2021 Toyota Camry Average Rate$1,676

2021 Honda Accord

$1,696

Insurance Rates by Trim Level for 2021 Toyota Camry
2021 Honda Accord TrimsRate
LX Sedan$1,504
EX Sedan1,606
Sport Sedan1,648
Hybrid Sedan1,682
EX-L Sedan1,692
Hybrid EX Sedan1,730
Hybrid EX-L Sedan1,782
Touring Sedan1,792
Hybrid Touring Sedan1,830
2021 Honda Accord Average Rate$1,696

2020 Toyota Camry vs Honda Accord

When comparing car insurance rates for the 2020 Toyota Camry and Honda Accord models, the Toyota Camry has cheaper rates by an average of $22 per year.

The rate chart below visualizes the average cost to insure both models for the 20 to 50-year-old driver age groups. For a 2020 Toyota Camry, average car insurance cost ranges from $1,508 to $3,298 per year for these driver ages. A 2020 Honda Accord costs from $1,526 to $3,350 to insure per year.

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Chart Data Details: Average insurance rates are for a 2020 Toyota Camry and a 2020 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2020 Toyota Camry vs. 2020 Honda Accord Insurance Cost
2020 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,298$1,740$1,652$1,508
Honda Accord$3,350$1,758$1,674$1,526

Out of eight trims for the 2020 Toyota Camry, the cheapest insurance rates are on the L Sedan model at a cost of $1,500 per year, or $125 per month.

For the nine trim levels available for the Honda Accord, the cheapest 2020 trim to insure is the LX Sedan trim at a cost of $1,486.

When all 17 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Honda Accord LX Sedan at an average rate of $1,486 per year, and the highest-cost model and trim is the Toyota Camry Hybrid XLE Sedan at a cost of $1,820 per year.

The next tables show average car insurance cost by trim level for each 2020 model, as well as the overall average rate for each model. The cheapest model to insure for the 2020 model year is the Toyota Camry.

2020 Toyota Camry

$1,652

Insurance Rates by Trim Level for 2020 Toyota Camry
2020 Toyota Camry TrimsRate
L Sedan$1,500
LE Sedan1,514
SE Sedan1,562
XLE Sedan1,598
XSE Sedan1,646
Hybrid LE Sedan1,770
Hybrid SE Sedan1,820
Hybrid XLE Sedan1,820
2020 Toyota Camry Average Rate$1,652

2020 Honda Accord

$1,674

Insurance Rates by Trim Level for 2020 Toyota Camry
2020 Honda Accord TrimsRate
LX Sedan$1,486
EX Sedan1,584
Sport Sedan1,626
Hybrid Sedan1,660
EX-L Sedan1,666
Hybrid EX Sedan1,708
Hybrid EX-L Sedan1,756
Touring Sedan1,766
Hybrid Touring Sedan1,804
2020 Honda Accord Average Rate$1,674

2019 Toyota Camry vs Honda Accord

When comparing insurance rates for 2019 models, the Toyota Camry costs an average of $1,562 per year to insure and the Honda Accord costs $1,620, making the Toyota Camry the winner by $58 for the 2019 comparison year.

The rate chart below shows the average cost to insure both 2019 models rated for different driver ages. The average car insurance cost ranges from $1,424 to $3,114 per year for a 2019 Toyota Camry, and $1,478 to $3,240 for a 2019 Honda Accord for the included driver ages.

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Chart Data Details: Average insurance rates are for a 2019 Toyota Camry and a 2019 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2019 Toyota Camry vs. 2019 Honda Accord Insurance Cost
2019 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,114$1,638$1,562$1,424
Honda Accord$3,240$1,702$1,620$1,478

Out of eight trim levels for the 2019 Toyota Camry, the cheapest auto insurance rates are on the L Sedan trim at a cost of $1,282 per year, or about $107 per month. The 2019 Honda Accord has nine trims available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,506 per year.

When all 17 trims of both models are combined and compared, the cheapest vehicle to insure is the Toyota Camry L Sedan at an average rate of $1,282 per year, and the most expensive trim is the Honda Accord Touring Sedan at an average of $1,728 per year.

The next tables illustrate trim level insurance rates for each 2019 model, as well as the overall average rate for each model.

2019 Toyota Camry

$1,562

Insurance Rates by Trim Level for 2019 Toyota Camry
2019 Toyota Camry TrimsRate
L Sedan$1,282
LE Sedan1,520
SE Sedan1,520
XLE Sedan1,600
XSE Sedan1,600
Hybrid LE Sedan1,648
Hybrid SE Sedan1,648
Hybrid XLE Sedan1,694
2019 Toyota Camry Average Rate$1,562

2019 Honda Accord

$1,620

Insurance Rates by Trim Level for 2019 Toyota Camry
2019 Honda Accord TrimsRate
LX Sedan$1,506
Hybrid Sedan1,516
Hybrid EX Sedan1,576
EX Sedan1,600
Hybrid EX-L Sedan1,624
Hybrid Touring Sedan1,670
EX-L Sedan1,680
Sport Sedan1,680
Touring Sedan1,728
2019 Honda Accord Average Rate$1,620

2018 Toyota Camry vs Honda Accord

When comparing insurance rates for 2018 models, a Toyota Camry costs an average of $1,534 per year to insure and a Honda Accord costs $1,572, making the Toyota Camry cheaper to insure by $38 per year for this model year.

The next chart visualizes the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2018 Toyota Camry, the average cost of car insurance ranges from $1,402 to $3,060 per year for the included age groups. A 2018 Honda Accord costs from $1,434 to $3,146 to insure per year.

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Chart Data Details: Average insurance rates are for a 2018 Toyota Camry and a 2018 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2018 Toyota Camry vs. 2018 Honda Accord Insurance Cost
2018 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$3,060$1,602$1,534$1,402
Honda Accord$3,146$1,646$1,572$1,434

Out of eight Toyota Camry trims, the cheapest 2018 trim to insure is the L Sedan trim at an average cost of $1,372 per year, or $114 per month. The 2018 Honda Accord has 11 trims available, with the cheapest trim level to insure being the LX Sedan model at an average cost of $1,470 per year, or $123 per month.

When rates are compared for the 19 trim levels of both 2018 models, the cheapest trim to insure is the Toyota Camry L Sedan at an average cost of $1,372 per year, and the highest-cost model and trim level is the Honda Accord Touring Sedan costing $1,682 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2018 models, as well as the overall average rate for each model. The cheapest of the two models to insure for the 2018 model year is the Toyota Camry.

2018 Toyota Camry

$1,534

Insurance Rates by Trim Level for 2018 Toyota Camry
2018 Toyota Camry TrimsRate
L Sedan$1,372
LE Sedan1,438
SE Sedan1,484
XLE Sedan1,560
XSE Sedan1,560
Hybrid LE Sedan1,606
Hybrid SE Sedan1,606
Hybrid XLE Sedan1,650
2018 Toyota Camry Average Rate$1,534

2018 Honda Accord

$1,572

Insurance Rates by Trim Level for 2018 Toyota Camry
2018 Honda Accord TrimsRate
LX Sedan$1,470
Hybrid Sedan1,476
Hybrid EX Sedan1,540
EX Sedan1,560
Hybrid EX-L Sedan1,570
Sport Sedan1,576
Hybrid EX-L Navigation Sedan1,580
EX-L Sedan1,584
Hybrid Touring Sedan1,616
EX-L Navigation Sedan1,630
Touring Sedan1,682
2018 Honda Accord Average Rate$1,572

2017 Toyota Camry vs Honda Accord

For the 2017 Toyota Camry and Honda Accord models, the Toyota Camry has cheaper car insurance cost by an average of $12 per year for this model year.

The rate chart below displays the average cost to insure both models rated for a variety of different driver ages. Insurance cost ranges from $1,358 to $2,962 per year for a 2017 Toyota Camry, and $1,370 to $2,994 for a 2017 Honda Accord for the age groups used in the chart.

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Chart Data Details: Average insurance rates are for a 2017 Toyota Camry and a 2017 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2017 Toyota Camry vs. 2017 Honda Accord Insurance Cost
2017 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$2,962$1,548$1,488$1,358
Honda Accord$2,994$1,568$1,500$1,370

Out of seven trims for the 2017 Toyota Camry, the cheapest average insurance prices are on the LE Sedan trim at a cost of $1,390 per year, or $116 per month. For the 20 trim levels available for the Honda Accord, the cheapest 2017 trim level to insure is the LX Sedan trim at a cost of $1,420.

When comparing both models at a trim-level basis, the cheapest vehicle to insure is the Toyota Camry LE Sedan at an average of $1,390 per year, and the highest-cost model and trim is the Honda Accord Touring Coupe at a cost of $1,602 per year.

The next tables illustrate both 2017 models and all trim levels available for each one, plus an average rate for each model. The cheapest to insure for the 2017 model year is the Toyota Camry.

2017 Toyota Camry

$1,488

Insurance Rates by Trim Level for 2017 Toyota Camry
2017 Toyota Camry TrimsRate
LE Sedan$1,390
SE Sedan1,390
XLE Sedan1,476
XSE Sedan1,476
Hybrid LE Sedan1,548
Hybrid SE Sedan1,548
Hybrid XLE Sedan1,588
2017 Toyota Camry Average Rate$1,488

2017 Honda Accord

$1,500

Insurance Rates by Trim Level for 2017 Toyota Camry
2017 Honda Accord TrimsRate
LX Sedan$1,420
LX Sensing Sedan1,420
EX Sedan1,462
Sport Sedan1,462
Sport Special Edition Sedan1,462
Hybrid Sedan1,472
LX-S Coupe1,476
LX-S Sensing Coupe1,476
EX Sensing Sedan1,506
Sport Sensing Sedan1,506
Touring Sedan1,506
Hybrid EX-L Sedan1,514
EX Coupe1,518
EX Sensing Coupe1,518
EX-L Coupe1,518
EX-L Sedan1,536
Hybrid Touring Sedan1,556
EX-L Navi/Sensing Coupe1,560
EX-L Navi/Sensing Sedan1,576
Touring Coupe1,602
2017 Honda Accord Average Rate$1,500

2016 Toyota Camry vs Honda Accord

For the 2016 Toyota Camry and Honda Accord models, the Toyota Camry has cheaper car insurance rates by an average of $76 per year.

The chart below demonstrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. Insurance cost ranges from $1,284 to $2,800 per year for a 2016 Toyota Camry, and $1,354 to $2,946 for a 2016 Honda Accord for the example age groups.

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Chart Data Details: Average insurance rates are for a 2016 Toyota Camry and a 2016 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2016 Toyota Camry vs. 2016 Honda Accord Insurance Cost
2016 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$2,800$1,462$1,406$1,284
Honda Accord$2,946$1,538$1,482$1,354

The 2016 Toyota Camry has seven trims available, with the cheapest trim level to insure being the LE Sedan model at an average cost of $1,374 per year, or $115 per month.

For the 17 trim levels available for the Honda Accord, the cheapest 2016 trim to insure is the LX Sedan trim at a cost of $1,380.

When rates are compared for the 24 trim levels of both 2016 models, the lowest-cost model and trim level to insure is the Toyota Camry LE Sedan at a cost of $1,374 per year, and the most expensive model and trim level is the Honda Accord Touring Coupe at a cost of $1,616 per year.

The next two rate tables display the cost to insure the available trim levels for both 2016 models, along with an average cost for each model. The 2016 Toyota Camry has cheaper average car insurance rates than the 2016 Honda Accord.

2016 Toyota Camry

$1,406

Insurance Rates by Trim Level for 2016 Toyota Camry
2016 Toyota Camry TrimsRate
LE Sedan$1,374
SE Sedan1,374
Hybrid LE Sedan1,384
Hybrid SE Sedan1,384
Hybrid XLE Sedan1,424
XLE Sedan1,454
XSE Sedan1,454
2016 Toyota Camry Average Rate$1,406

2016 Honda Accord

$1,482

Insurance Rates by Trim Level for 2016 Toyota Camry
2016 Honda Accord TrimsRate
LX Sedan$1,380
LX Sensing Sedan1,380
EX Sedan1,420
Sport Sedan1,420
Sport Sensing Sedan1,420
LX-S Coupe1,454
EX Sensing Sedan1,460
EX-L Sedan1,460
EX Coupe1,494
LX-S Sensing Coupe1,494
EX-L Navi/Sensing Sedan1,502
EX-L Sensing Sedan1,502
EX Sensing Coupe1,536
EX-L Coupe1,536
Touring Sedan1,542
EX-L Navi/Sensing Coupe1,576
Touring Coupe1,616
2016 Honda Accord Average Rate$1,482

2015 Toyota Camry vs Honda Accord

When comparing car insurance rates for 2015 models, a Toyota Camry costs an average of $1,290 per year to insure and a Honda Accord costs $1,316, making the Toyota Camry cheaper to insure by $26 per year.

The chart shown below illustrates the average cost to insure the two models for drivers aged 20 to 50. For a 2015 Toyota Camry, average car insurance cost ranges from $1,180 to $2,552 per year for the example age groups. A 2015 Honda Accord costs from $1,204 to $2,604 to insure per year.

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Chart Data Details: Average insurance rates are for a 2015 Toyota Camry and a 2015 Honda Accord with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Toyota Camry and Honda Accord trim levels.Data last updated on August 12, 2023
2015 Toyota Camry vs. 2015 Honda Accord Insurance Cost
2015 Toyota Camry vs. Honda Accord Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Toyota Camry$2,552$1,334$1,290$1,180
Honda Accord$2,604$1,362$1,316$1,204

Out of seven Toyota Camry trim levels, the cheapest 2015 trim level to insure is the LE Sedan trim at an average cost of $1,196 per year, or around $100 per month.

Out of the 16 trim levels available for the Honda Accord, the cheapest 2015 trim level to insure is the LX Sedan model at a cost of $1,196 per year, or about $100 per month.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim to insure is the Toyota Camry LE Sedan at an average rate of $1,196 per year. The most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at a cost of $1,430 per year.

The tables below display average car insurance cost by trim level for each 2015 model, including an overall average cost for each model. The model with the cheapest overall car insurance rates for 2015 is the Toyota Camry.

2015 Toyota Camry

$1,290

Insurance Rates by Trim Level for 2015 Toyota Camry
2015 Toyota Camry TrimsRate
LE Sedan$1,196
SE Sedan1,196
XLE Sedan1,268
XSE Sedan1,268
Hybrid LE Sedan1,368
Hybrid SE Sedan1,368
Hybrid XLE Sedan1,368
2015 Toyota Camry Average Rate$1,290

2015 Honda Accord

$1,316

Insurance Rates by Trim Level for 2015 Toyota Camry
2015 Honda Accord TrimsRate
LX Sedan$1,196
Sport Sedan1,196
EX Sedan1,232
Crosstour EX 2WD1,242
LX-S Coupe1,268
EX Coupe1,304
EX-L Sedan1,304
Crosstour EX-L 2WD1,316
Crosstour EX-L 4WD1,316
Hybrid Sedan1,356
EX-L Coupe1,368
Crosstour EX-L Navigation 2WD1,380
Crosstour EX-L Navigation 4WD1,380
Touring Sedan1,380
Hybrid EX-L Sedan1,392
Hybrid Touring Sedan1,430
2015 Honda Accord Average Rate$1,316

Additional Toyota Camry and Honda Accord Resources