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 $104 per year.
  • For a 2023 Toyota Camry, average full-coverage car insurance rates range from $1,548 to $1,790 per year, while car insurance for a 2023 Honda Accord ranges from $1,650 to $1,936 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 $1,678 per year, while insurance for the Honda Accord averages $1,782 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 $1,548 per year for the LE model up to $1,790 for the XSE Hybrid model. For a 2023 Honda Accord, rates can range from $1,650 per year for the Hybrid model up to $1,936 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 $1,548 per year, and the highest-cost model and trim level is the Honda Accord Touring costing $1,936 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
$1,548$129
$1,584$132
$1,588$132
$1,610$134
$1,622$135
$1,642$137
$1,650$138
$1,656$138
$1,668$139
$1,682$140
$1,684$140
$1,688$141
$1,700$142
$1,706$142
$1,720$143
$1,730$144
$1,738$145
$1,740$145
$1,756$146
$1,764$147
$1,778$148
$1,784$149
$1,790$149
$1,800$150
$1,838$153
$1,846$154
$1,936$161

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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 February 5, 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 $1,678 per year, while insurance for the Honda Accord averages $1,782 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 $1,528 to $3,330 per year for the example age groups. A 2023 Honda Accord costs from $1,624 to $3,564 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 February 17, 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$3,330$1,768$1,678$1,528
Honda Accord$3,564$1,882$1,782$1,624

Out of 18 trim levels for the 2023 Toyota Camry, the cheapest auto insurance rates are on the LE trim at a cost of $1,548 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 $1,650.

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 $1,548 per year. The most expensive model and trim level is the Honda Accord Touring costing $1,936 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

$1,678

Insurance Rates by Trim Level for 2023 Toyota Camry
2023 Toyota Camry TrimsRate
LE$1,548
SE1,584
LE AWD1,588
SE Nightshade1,610
SE AWD1,622
SE Nightshade AWD1,642
XLE1,656
XSE1,668
XLE AWD1,682
LE Hybrid1,684
XSE AWD1,688
TRD1,700
SE Hybrid1,720
SE Hybrid Nightshade1,738
XLE V61,740
XSE V61,756
XLE Hybrid1,778
XSE Hybrid1,790
2023 Toyota Camry Average Rate$1,678

2023 Honda Accord

$1,782

Insurance Rates by Trim Level for 2023 Toyota Camry
2023 Honda Accord TrimsRate
Hybrid$1,650
LX1,706
Hybrid Sport1,730
Sport1,764
Hybrid EX-L1,784
Sport Special Edition1,800
Hybrid Touring1,838
EX-L1,846
Touring1,936
2023 Honda Accord Average Rate$1,782

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 $1,624 per year, and the Honda Accord costs an average of $1,726 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 $1,518 per year for the LE model up to the highest rate of $1,788 for the XSE Hybrid model. For a 2022 Honda Accord, rates range from $1,582 per year for the Hybrid model up to $1,902 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 $1,518 per year. The highest-cost model and trim level is the Honda Accord Touring costing $1,902 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 $127 to $159 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
$1,518$127
$1,526$127
$1,544$129
$1,562$130
$1,578$132
$1,582$132
$1,590$133
$1,594$133
$1,610$134
$1,612$134
$1,626$136
$1,630$136
$1,630$136
$1,660$138
$1,662$139
$1,666$139
$1,674$140
$1,680$140
$1,706$142
$1,732$144
$1,750$146
$1,780$148
$1,788$149
$1,802$150
$1,802$150
$1,902$159

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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 February 5, 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 February 17, 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$3,232$1,716$1,624$1,482
Honda Accord$3,458$1,820$1,726$1,574

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 $5,812 per year and Honda Accord insurance costs an average of $6,258 per year, a difference of $446 per year.
  • A low deductible policy could cost up to $496 more per year for the Toyota Camry and $526 for the Honda Accord.
  • Individual policy coverages for the Toyota Camry cost around $722 for collision insurance, $398 for comprehensive coverage, and $504 for liability. For the Honda Accord, individual coverages cost an average of $796 for collision insurance, $388 for comprehensive coverage, and $542 for liability.
  • When compared to the national average car insurance rate of $1,685 per year, the Toyota Camry costs $61 less per year, while the Honda Accord costs $41 less per year.
  • The most expensive 2022 Toyota Camry to insure is the XSE Hybrid at $1,788 per year. The most expensive 2022 Honda Accord to insure is the Touring at $1,902 per year.
  • Being a safe driver could earn a discount of around $210 for the Toyota Camry and $222 for the Honda Accord.
  • For an 18-year-old driver, insurance on a Toyota Camry costs an average of $5,078 per year and Honda Accord insurance costs an average of $5,462 per year, a difference of $384 per year.
  • For a 19-year-old driver, insurance on a Toyota Camry costs an average of $4,598 per year and Honda Accord insurance costs an average of $4,942 per year, a difference of $344 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 $1,624 and the 2022 Honda Accord is $1,726, making the Toyota Camry cheaper by $102 per year.

2022 Toyota Camry

$1,624

Insurance Rates by Trim Level for 2022 Toyota Camry
2022 Toyota Camry TrimsRate
LE$1,518
XLE1,526
XLE AWD1,544
LE AWD1,562
SE1,578
SE AWD1,590
SE Nightshade Edition1,594
SE Nightshade Edition AWD1,610
XSE1,612
XSE AWD1,626
XLE V61,630
XSE V61,660
LE Hybrid1,662
TRD1,674
SE Hybrid Nightshade Edition1,706
XLE Hybrid1,780
XSE Hybrid1,788
2022 Toyota Camry Average Rate$1,624

2022 Honda Accord

$1,726

Insurance Rates by Trim Level for 2022 Toyota Camry
2022 Honda Accord TrimsRate
Hybrid$1,582
Hybrid EX-L1,630
LX1,666
Hybrid Sport1,680
Hybrid Touring1,732
Sport1,750
EX-L1,802
Sport Special Edition1,802
Touring1,902
2022 Honda Accord Average Rate$1,726

2021 Toyota Camry vs. Honda Accord

When comparing insurance cost for 2021 models, a Toyota Camry costs an average of $1,636 per year to insure and a Honda Accord costs $1,652, making the Toyota Camry cheaper to insure by $16 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 $1,490 to $3,254 per year for the illustrated age groups. A 2021 Honda Accord costs from $1,506 to $3,306 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 February 17, 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$3,254$1,720$1,636$1,490
Honda Accord$3,306$1,740$1,652$1,506

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 $1,482 per year, or about $124 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 $1,468.

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 $1,468 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at an average cost of $1,798 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

$1,636

Insurance Rates by Trim Level for 2021 Toyota Camry
2021 Toyota Camry TrimsRate
L Sedan$1,482
LE Sedan1,498
SE Sedan1,546
XLE Sedan1,580
XSE Sedan1,628
Hybrid LE Sedan1,748
Hybrid SE Sedan1,798
Hybrid XLE Sedan1,798
2021 Toyota Camry Average Rate$1,636

2021 Honda Accord

$1,652

Insurance Rates by Trim Level for 2021 Toyota Camry
2021 Honda Accord TrimsRate
LX Sedan$1,468
EX Sedan1,566
Sport Sedan1,606
Hybrid Sedan1,636
EX-L Sedan1,648
Hybrid EX Sedan1,686
Hybrid EX-L Sedan1,734
Touring Sedan1,746
Hybrid Touring Sedan1,784
2021 Honda Accord Average Rate$1,652

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 $18 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 $1,468 to $3,216 per year for these driver ages. A 2020 Honda Accord costs from $1,486 to $3,264 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 February 17, 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$3,216$1,694$1,612$1,468
Honda Accord$3,264$1,714$1,630$1,486

Out of eight trims for the 2020 Toyota Camry, the cheapest insurance rates are on the L Sedan model at a cost of $1,462 per year, or $122 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 $1,448.

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 $1,448 per year, and the highest-cost model and trim is the Toyota Camry Hybrid XLE Sedan at a cost of $1,772 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

$1,612

Insurance Rates by Trim Level for 2020 Toyota Camry
2020 Toyota Camry TrimsRate
L Sedan$1,462
LE Sedan1,476
SE Sedan1,522
XLE Sedan1,556
XSE Sedan1,604
Hybrid LE Sedan1,724
Hybrid SE Sedan1,772
Hybrid XLE Sedan1,772
2020 Toyota Camry Average Rate$1,612

2020 Honda Accord

$1,630

Insurance Rates by Trim Level for 2020 Toyota Camry
2020 Honda Accord TrimsRate
LX Sedan$1,448
EX Sedan1,542
Sport Sedan1,584
Hybrid Sedan1,614
EX-L Sedan1,624
Hybrid EX Sedan1,662
Hybrid EX-L Sedan1,710
Touring Sedan1,720
Hybrid Touring Sedan1,758
2020 Honda Accord Average Rate$1,630

2019 Toyota Camry vs Honda Accord

When comparing insurance rates for 2019 models, the Toyota Camry costs an average of $1,520 per year to insure and the Honda Accord costs $1,574, making the Toyota Camry the winner by $54 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 $1,388 to $3,032 per year for a 2019 Toyota Camry, and $1,438 to $3,154 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 February 17, 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$3,032$1,592$1,520$1,388
Honda Accord$3,154$1,658$1,574$1,438

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 $1,252 per year, or about $104 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 $1,466 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 $1,252 per year, and the most expensive trim is the Honda Accord Touring Sedan at an average of $1,682 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

$1,520

Insurance Rates by Trim Level for 2019 Toyota Camry
2019 Toyota Camry TrimsRate
L Sedan$1,252
LE Sedan1,478
SE Sedan1,478
XLE Sedan1,558
XSE Sedan1,558
Hybrid LE Sedan1,604
Hybrid SE Sedan1,604
Hybrid XLE Sedan1,650
2019 Toyota Camry Average Rate$1,520

2019 Honda Accord

$1,574

Insurance Rates by Trim Level for 2019 Toyota Camry
2019 Honda Accord TrimsRate
LX Sedan$1,466
Hybrid Sedan1,478
Hybrid EX Sedan1,536
EX Sedan1,558
Hybrid EX-L Sedan1,582
Hybrid Touring Sedan1,628
EX-L Sedan1,636
Sport Sedan1,636
Touring Sedan1,682
2019 Honda Accord Average Rate$1,574

2018 Toyota Camry vs Honda Accord

When comparing insurance rates for 2018 models, a Toyota Camry costs an average of $1,494 per year to insure and a Honda Accord costs $1,530, making the Toyota Camry cheaper to insure by $36 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 $1,364 to $2,982 per year for the included age groups. A 2018 Honda Accord costs from $1,396 to $3,066 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 February 17, 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$2,982$1,564$1,494$1,364
Honda Accord$3,066$1,604$1,530$1,396

Out of eight Toyota Camry trims, the cheapest 2018 trim to insure is the L Sedan trim at an average cost of $1,336 per year, or $111 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 $1,430 per year, or $119 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 $1,336 per year, and the highest-cost model and trim level is the Honda Accord Touring Sedan costing $1,638 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

$1,494

Insurance Rates by Trim Level for 2018 Toyota Camry
2018 Toyota Camry TrimsRate
L Sedan$1,336
LE Sedan1,400
SE Sedan1,442
XLE Sedan1,518
XSE Sedan1,518
Hybrid LE Sedan1,562
Hybrid SE Sedan1,562
Hybrid XLE Sedan1,608
2018 Toyota Camry Average Rate$1,494

2018 Honda Accord

$1,530

Insurance Rates by Trim Level for 2018 Toyota Camry
2018 Honda Accord TrimsRate
LX Sedan$1,430
Hybrid Sedan1,438
Hybrid EX Sedan1,502
EX Sedan1,518
Hybrid EX-L Sedan1,530
Sport Sedan1,534
Hybrid EX-L Navigation Sedan1,538
EX-L Sedan1,544
Hybrid Touring Sedan1,578
EX-L Navigation Sedan1,586
Touring Sedan1,638
2018 Honda Accord Average Rate$1,530

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 $16 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 $1,322 to $2,886 per year for a 2017 Toyota Camry, and $1,334 to $2,918 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 February 17, 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$2,886$1,510$1,448$1,322
Honda Accord$2,918$1,530$1,464$1,334

Out of seven trims for the 2017 Toyota Camry, the cheapest average insurance prices are on the LE Sedan trim at a cost of $1,352 per year, or $113 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 $1,380.

When comparing both models at a trim-level basis, the cheapest vehicle to insure is the Toyota Camry LE Sedan at an average of $1,352 per year, and the highest-cost model and trim is the Honda Accord Touring Coupe at a cost of $1,558 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

$1,448

Insurance Rates by Trim Level for 2017 Toyota Camry
2017 Toyota Camry TrimsRate
LE Sedan$1,352
SE Sedan1,352
XLE Sedan1,436
XSE Sedan1,436
Hybrid LE Sedan1,506
Hybrid SE Sedan1,506
Hybrid XLE Sedan1,546
2017 Toyota Camry Average Rate$1,448

2017 Honda Accord

$1,464

Insurance Rates by Trim Level for 2017 Toyota Camry
2017 Honda Accord TrimsRate
LX Sedan$1,380
LX Sensing Sedan1,380
EX Sedan1,424
Sport Sedan1,424
Sport Special Edition Sedan1,424
Hybrid Sedan1,436
LX-S Coupe1,436
LX-S Sensing Coupe1,436
EX Sensing Sedan1,464
Sport Sensing Sedan1,464
Touring Sedan1,464
EX Coupe1,476
EX Sensing Coupe1,476
EX-L Coupe1,476
Hybrid EX-L Sedan1,478
EX-L Sedan1,494
EX-L Navi/Sensing Coupe1,518
Hybrid Touring Sedan1,518
EX-L Navi/Sensing Sedan1,534
Touring Coupe1,558
2017 Honda Accord Average Rate$1,464

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 $72 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 $1,250 to $2,730 per year for a 2016 Toyota Camry, and $1,316 to $2,872 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 February 17, 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$2,730$1,424$1,370$1,250
Honda Accord$2,872$1,498$1,442$1,316

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 $1,336 per year, or $111 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 $1,342.

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 $1,336 per year, and the most expensive model and trim level is the Honda Accord Touring Coupe at a cost of $1,570 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

$1,370

Insurance Rates by Trim Level for 2016 Toyota Camry
2016 Toyota Camry TrimsRate
LE Sedan$1,336
SE Sedan1,336
Hybrid LE Sedan1,350
Hybrid SE Sedan1,350
Hybrid XLE Sedan1,390
XLE Sedan1,416
XSE Sedan1,416
2016 Toyota Camry Average Rate$1,370

2016 Honda Accord

$1,442

Insurance Rates by Trim Level for 2016 Toyota Camry
2016 Honda Accord TrimsRate
LX Sedan$1,342
LX Sensing Sedan1,342
EX Sedan1,382
Sport Sedan1,382
Sport Sensing Sedan1,382
LX-S Coupe1,416
EX Sensing Sedan1,422
EX-L Sedan1,422
EX Coupe1,454
LX-S Sensing Coupe1,454
EX-L Navi/Sensing Sedan1,458
EX-L Sensing Sedan1,458
EX Sensing Coupe1,492
EX-L Coupe1,492
Touring Sedan1,498
EX-L Navi/Sensing Coupe1,532
Touring Coupe1,570
2016 Honda Accord Average Rate$1,442

2015 Toyota Camry vs Honda Accord

When comparing car insurance rates for 2015 models, a Toyota Camry costs an average of $1,258 per year to insure and a Honda Accord costs $1,282, making the Toyota Camry cheaper to insure by $24 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 $1,146 to $2,484 per year for the example age groups. A 2015 Honda Accord costs from $1,170 to $2,534 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 February 17, 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$2,484$1,300$1,258$1,146
Honda Accord$2,534$1,328$1,282$1,170

Out of seven Toyota Camry trim levels, the cheapest 2015 trim level to insure is the LE Sedan trim at an average cost of $1,164 per year, or around $97 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 $1,164 per year, or about $97 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 $1,164 per year. The most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at a cost of $1,392 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

$1,258

Insurance Rates by Trim Level for 2015 Toyota Camry
2015 Toyota Camry TrimsRate
LE Sedan$1,164
SE Sedan1,164
XLE Sedan1,236
XSE Sedan1,236
Hybrid LE Sedan1,332
Hybrid SE Sedan1,332
Hybrid XLE Sedan1,332
2015 Toyota Camry Average Rate$1,258

2015 Honda Accord

$1,282

Insurance Rates by Trim Level for 2015 Toyota Camry
2015 Honda Accord TrimsRate
LX Sedan$1,164
Sport Sedan1,164
EX Sedan1,200
Crosstour EX 2WD1,212
LX-S Coupe1,236
EX Coupe1,272
EX-L Sedan1,272
Crosstour EX-L 2WD1,282
Crosstour EX-L 4WD1,282
Hybrid Sedan1,322
EX-L Coupe1,332
Crosstour EX-L Navigation 2WD1,344
Crosstour EX-L Navigation 4WD1,344
Touring Sedan1,344
Hybrid EX-L Sedan1,356
Hybrid Touring Sedan1,392
2015 Honda Accord Average Rate$1,282

Additional Toyota Camry and Honda Accord Resources