- For 2022 models, the Toyota Camry takes the win over the Mazda 6 in our cost analysis, costing $28 less per year to insure on average.
- Out of 13 models in the 2022 midsize car class, the Toyota Camry ranks fourth and the Mazda 6 ranks sixth for car insurance affordability.
- If cheap car insurance is a priority, the LE and XLE trim levels are the cheapest Toyota Camry models to insure, while the Sport and Touring trims have the cheapest rates for the Mazda 6.
- When compared to the U.S. national average cost of car insurance of $2,221 per year, the Toyota Camry costs an average of $119 less per year, while the Mazda 6 costs an average of $91 less per year.
Does insurance cost less for a Toyota Camry or Mazda 6?
When comparing the Toyota Camry and Mazda 6 for the 2022 model year, the model with cheaper average insurance rates is the Toyota Camry. Average insurance rates for the Toyota Camry are $2,102 per year, while the Mazda 6 averages $2,130 per year.
Toyota Camry car insurance rates range from the lowest rate of $1,962 per year for the LE model up to $2,310 for the XSE Hybrid model.
For a 2022 Mazda 6, rates range from $1,964 per year for the Sport model up to $2,230 on the Signature model.
For a 2022 Toyota Camry, the cheapest models to insure are the LE, XLE, and XLE AWD. The cheapest Mazda 6 models include the Sport, Touring, and Grand Touring. Average car insurance rates for all 2022 Toyota Camry and Mazda 6 models and trims range from $164 to $193 per month.
The table below compares the 12-month and monthly car insurance cost for 2022 Toyota Camry and Mazda 6 models, with average cost for each trim level.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
Camry LE | $1,962 | $164 |
6 Sport | $1,964 | $164 |
Camry XLE | $1,972 | $164 |
Camry XLE AWD | $1,994 | $166 |
Camry LE AWD | $2,018 | $168 |
6 Touring | $2,032 | $169 |
Camry SE | $2,036 | $170 |
Camry SE AWD | $2,056 | $171 |
Camry SE Nightshade Edition | $2,062 | $172 |
Camry SE Nightshade Edition AWD | $2,082 | $174 |
Camry XSE | $2,084 | $174 |
Camry XSE AWD | $2,104 | $175 |
Camry XLE V6 | $2,108 | $176 |
Camry LE Hybrid | $2,146 | $179 |
Camry XSE V6 | $2,150 | $179 |
Camry TRD | $2,164 | $180 |
6 Grand Touring | $2,164 | $180 |
6 Grand Touring Reserve | $2,182 | $182 |
6 Carbon Edition | $2,200 | $183 |
Camry SE Hybrid Nightshade Edition | $2,204 | $184 |
6 Signature | $2,230 | $186 |
Camry XLE Hybrid | $2,302 | $192 |
Camry XSE Hybrid | $2,310 | $193 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025
The following chart visualizes the average insurance cost for both 2022 models with different driver age groups. Insurance cost ranges from $1,866 to $4,224 per year on a 2022 Toyota Camry, and $1,890 to $4,264 for a 2022 Mazda 6 for the different drivers illustrated in the chart

For the 17 trims available for the 2022 Toyota Camry, the cheapest trim level to insure is the LE model at an average cost of $1,962 per year.
For the six trim levels available for the Mazda 6, the cheapest 2022 trim level to insure is the Sport model at a cost of $1,964.
When rates for all 23 trim levels for both vehicles are compared, the overall cheapest vehicle to put coverage on is the Toyota Camry LE at an average cost of $1,962 per year. The overall most expensive vehicle to insure is the Toyota Camry XSE Hybrid at an average cost of $2,310 per year.
The two tables below break down all the available trims for both 2022 models, along with the average rate for each model. The winner for the 2022 car insurance cost comparison is the Toyota Camry.
2022 Toyota Camry
$2,102
2022 Toyota Camry Trims | Rate |
---|---|
LE | $1,962 |
XLE | 1,972 |
XLE AWD | 1,994 |
LE AWD | 2,018 |
SE | 2,036 |
SE AWD | 2,056 |
SE Nightshade Edition | 2,062 |
SE Nightshade Edition AWD | 2,082 |
XSE | 2,084 |
XSE AWD | 2,104 |
XLE V6 | 2,108 |
LE Hybrid | 2,146 |
XSE V6 | 2,150 |
TRD | 2,164 |
SE Hybrid Nightshade Edition | 2,204 |
XLE Hybrid | 2,302 |
XSE Hybrid | 2,310 |
2022 Toyota Camry Average Rate | $2,102 |
2022 Mazda 6
$2,130
2022 Mazda 6 Trims | Rate |
---|---|
Sport | $1,964 |
Touring | 2,032 |
Grand Touring | 2,164 |
Grand Touring Reserve | 2,182 |
Carbon Edition | 2,200 |
Signature | 2,230 |
2022 Mazda 6 Average Rate | $2,130 |
2021 Toyota Camry vs. Mazda 6
For 2021 Toyota Camry and Mazda 6 models, the Mazda 6 has cheaper car insurance rates by an average of $144 per year for this comparison year.
The rate chart below displays the average insurance cost for the two models using drivers aged 20 to 50. The average cost of car insurance ranges from $1,874 to $4,266 per year for a 2021 Toyota Camry, and $1,746 to $3,964 on a 2021 Mazda 6.

For the eight trims available for the 2021 Toyota Camry, the cheapest trim level to insure is the L Sedan model at an average cost of $1,916 per year.
For the five trims available for the Mazda 6, the cheapest 2021 trim level to insure is the Sport Sedan model at a cost of $1,788 per year, or $149 per month.
When trim-level rates for both models are compared, the cheapest trim to put coverage on is the Mazda 6 Sport Sedan at an average of $1,788 per year. The most expensive vehicle to insure is the Toyota Camry Hybrid XLE Sedan costing $2,324 per year.
The rate tables below detail trim level insurance rates for each 2021 model, as well as the overall average rate for each model.
2021 Toyota Camry
$2,114
2021 Toyota Camry Trims | Rate |
---|---|
L Sedan | $1,916 |
LE Sedan | 1,936 |
SE Sedan | 2,000 |
XLE Sedan | 2,046 |
XSE Sedan | 2,110 |
Hybrid LE Sedan | 2,260 |
Hybrid SE Sedan | 2,324 |
Hybrid XLE Sedan | 2,324 |
2021 Toyota Camry Average Rate | $2,114 |
2021 Mazda 6
$1,970
2021 Mazda 6 Trims | Rate |
---|---|
Sport Sedan | $1,788 |
Touring Sedan | 1,916 |
Grand Touring Sedan | 1,982 |
Grand Touring Reserve Sedan | 2,046 |
Signature Sedan | 2,110 |
2021 Mazda 6 Average Rate | $1,970 |
2020 Toyota Camry vs. Mazda 6
When comparing insurance rates for 2020 models, the Toyota Camry costs an average of $2,050 per year for a full-coverage policy and the Mazda 6 costs $1,908, making the Mazda 6 the cheaper model to insure by $142.
The following chart displays the average insurance cost for the two models rated for drivers aged 20 to 50. For a 2020 Toyota Camry, average car insurance cost ranges from $1,818 to $4,138 per year for these driver ages. Car insurance on a 2020 Mazda 6 costs from $1,694 to $3,842 on average per year.

The 2020 Toyota Camry has eight trim levels available, with the cheapest trim to insure being the L Sedan model at an average cost of $1,860 per year, or about $155 per month.
Out of the five trims available for the Mazda 6, the cheapest 2020 model to insure is the Sport Sedan model at a cost of $1,736.
When insurance prices for all 13 trims of both models are combined and sorted by cost, the overall cheapest vehicle to buy insurance for is the Mazda 6 Sport Sedan at an average of $1,736 per year, and the most expensive trim is the Toyota Camry Hybrid XLE Sedan costing $2,254 per year.
The tables shown below detail the expected annual car insurance cost by trim level for both 2020 models, as well as an average rate for each model. The cheapest to insure for the 2020 model year is the Mazda 6.
2020 Toyota Camry
$2,050
2020 Toyota Camry Trims | Rate |
---|---|
L Sedan | $1,860 |
LE Sedan | 1,878 |
SE Sedan | 1,938 |
XLE Sedan | 1,982 |
XSE Sedan | 2,046 |
Hybrid LE Sedan | 2,194 |
Hybrid SE Sedan | 2,254 |
Hybrid XLE Sedan | 2,254 |
2020 Toyota Camry Average Rate | $2,050 |
2020 Mazda 6
$1,908
2020 Mazda 6 Trims | Rate |
---|---|
Sport Sedan | $1,736 |
Touring Sedan | 1,860 |
Grand Touring Sedan | 1,920 |
Grand Touring Reserve Sedan | 1,982 |
Signature Sedan | 2,046 |
2020 Mazda 6 Average Rate | $1,908 |
2018 Toyota Camry vs. Mazda 6
For the 2018 Toyota Camry and Mazda 6 models, the Mazda 6 has cheaper car insurance cost by $158 per year for this comparison year.
The rate chart below visualizes the average car insurance cost for both models using different driver ages. The average full-coverage insurance policy ranges from $1,648 to $3,732 per year on a 2018 Toyota Camry, and $1,506 to $3,402 on a 2018 Mazda 6 for the sample drivers in the chart

For the eight trims available for the 2018 Toyota Camry, the cheapest trim level to insure is the L Sedan trim at an average cost of $1,656 per year, or about $138 per month.
Out of the five trims available for the Mazda 6, the cheapest 2018 model to insure is the Sport Sedan model at a cost of $1,500 per year, or $125 per month.
When insurance rates for all 13 trim levels for the 2018 model year of both models are compared, the overall cheapest vehicle to insure is the Mazda 6 Sport Sedan at a cost of $1,500 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at an average cost of $1,994 per year.
The next tables break down average cost to insure each trim level for a 2018 Toyota Camry and Mazda 6, including an overall average rate.
2018 Toyota Camry
$1,850
2018 Toyota Camry Trims | Rate |
---|---|
L Sedan | $1,656 |
LE Sedan | 1,730 |
SE Sedan | 1,788 |
XLE Sedan | 1,882 |
XSE Sedan | 1,882 |
Hybrid LE Sedan | 1,938 |
Hybrid SE Sedan | 1,938 |
Hybrid XLE Sedan | 1,994 |
2018 Toyota Camry Average Rate | $1,850 |
Be sure to see our comprehensive 2018 Toyota Camry insurance cost article.
2018 Mazda 6
$1,692
2018 Mazda 6 Trims | Rate |
---|---|
Sport Sedan | $1,500 |
Touring Sedan | 1,612 |
Touring Select Sedan | 1,724 |
Grand Touring Sedan | 1,780 |
Signature Sedan | 1,836 |
2018 Mazda 6 Average Rate | $1,692 |
2017 Toyota Camry vs. Mazda 6
When comparing insurance rates for 2017 models, the Toyota Camry costs $1,794 per year to insure and the Mazda 6 costs $1,578, making the Mazda 6 the model with cheaper insurance by $216 for the 2017 comparison year.
The next chart shows the average car insurance cost for the two models for a range of driver ages. For a 2017 Toyota Camry, insurance cost ranges from $1,598 to $3,612 per year for the sample drivers in the chart. Insurance for a 2017 Mazda 6 costs from $1,408 to $3,174 on average per year.

For the seven trims available for the 2017 Toyota Camry, the cheapest trim to insure is the LE Sedan trim at an average cost of $1,672 per year, or about $139 per month. Out of the three different option levels available for the Mazda 6, the cheapest 2017 trim to insure is the Sport Sedan model at a cost of $1,452.
When rates for all 10 trim levels for both vehicles are combined and compared, the most affordable model and trim level to insure is the Mazda 6 Sport Sedan at an average cost of $1,452 per year. The highest-cost model and trim level is the Toyota Camry Hybrid XLE Sedan costing $1,920 per year.
The rate tables below illustrate both 2017 models and all trim levels available for each one, including the average rate for each model.
2017 Toyota Camry
$1,794
2017 Toyota Camry Trims | Rate |
---|---|
LE Sedan | $1,672 |
SE Sedan | 1,672 |
XLE Sedan | 1,778 |
XSE Sedan | 1,778 |
Hybrid LE Sedan | 1,868 |
Hybrid SE Sedan | 1,868 |
Hybrid XLE Sedan | 1,920 |
2017 Toyota Camry Average Rate | $1,794 |
2017 Mazda 6
$1,578
2017 Mazda 6 Trims | Rate |
---|---|
Sport Sedan | $1,452 |
Touring Sedan | 1,556 |
Grand Touring Sedan | 1,730 |
2017 Mazda 6 Average Rate | $1,578 |
2016 Toyota Camry vs. Mazda 6
When comparing car insurance rates for the 2016 Toyota Camry and Mazda 6 models, the Toyota Camry has cheaper rates by $106 per year for this comparison year.
The next chart displays the average insurance cost for both models with different driver age groups. The average car insurance cost ranges from $1,480 to $3,324 per year for a 2016 Toyota Camry, and $1,578 to $3,542 on a 2016 Mazda 6 for the driver examples in the chart

For the seven trim levels available for the 2016 Toyota Camry, the cheapest trim to insure is the LE Sedan model at an average cost of $1,606 per year, or about $134 per month. For the three different trim levels available for the Mazda 6, the cheapest 2016 trim level to insure is the I Sport Sedan model at a cost of $1,672 per year, or around $139 per month.
When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to buy insurance for is the Toyota Camry LE Sedan at an average cost of $1,606 per year. The highest-cost model and trim is the Mazda 6 I Grand Touring Sedan costing an average of $1,880 per year.
The tables shown below illustrate the average cost to insure all 2016 trim levels, plus the average rate for each model. The winner for the 2016 car insurance rate comparison is the Toyota Camry.
2016 Toyota Camry
$1,652
2016 Toyota Camry Trims | Rate |
---|---|
LE Sedan | $1,606 |
SE Sedan | 1,606 |
Hybrid LE Sedan | 1,634 |
Hybrid SE Sedan | 1,634 |
Hybrid XLE Sedan | 1,682 |
XLE Sedan | 1,704 |
XSE Sedan | 1,704 |
2016 Toyota Camry Average Rate | $1,652 |
2016 Mazda 6
$1,758
2016 Mazda 6 Trims | Rate |
---|---|
I Sport Sedan | $1,672 |
I Touring Sedan | 1,720 |
I Grand Touring Sedan | 1,880 |
2016 Mazda 6 Average Rate | $1,758 |
2015 Toyota Camry vs. Mazda 6
When comparing insurance cost for 2015 models, the Toyota Camry costs $1,508 per year to insure and the Mazda 6 costs $1,660, making the Toyota Camry the cheaper model by $152.
The chart below displays the average cost to insure both 2015 models with different drivers at the wheel. For a 2015 Toyota Camry, average insurance cost ranges from $1,354 to $3,020 per year for the illustrated age groups. Car insurance on a 2015 Mazda 6 ranges from $1,490 to $3,348 on average per year.

Out of seven trims for the 2015 Toyota Camry, the cheapest car insurance rates are on the LE Sedan model at a cost of $1,394 per year. For the three trim levels available for the Mazda 6, the cheapest 2015 trim level to insure is the I Sport Sedan trim at a cost of $1,598.
When comparing rates by trim level for both models, the overall cheapest vehicle to insure is the Toyota Camry LE Sedan at an average rate of $1,394 per year, and the most expensive model and trim level is the Mazda 6 I Grand Touring Sedan at a cost of $1,734 per year.
The tables below break down trim level insurance rates for each 2015 model, plus the average rate for each model.
2015 Toyota Camry
$1,508
2015 Toyota Camry Trims | Rate |
---|---|
LE Sedan | $1,394 |
SE Sedan | 1,394 |
XLE Sedan | 1,482 |
XSE Sedan | 1,482 |
Hybrid LE Sedan | 1,604 |
Hybrid SE Sedan | 1,604 |
Hybrid XLE Sedan | 1,604 |
2015 Toyota Camry Average Rate | $1,508 |
2015 Mazda 6
$1,660
2015 Mazda 6 Trims | Rate |
---|---|
I Sport Sedan | $1,598 |
I Touring Sedan | 1,644 |
I Grand Touring Sedan | 1,734 |
2015 Mazda 6 Average Rate | $1,660 |