Toyota Camry Insurance Cost for 2022

How much does Toyota Camry insurance cost? We break down average insurance cost per month for the base L model up to the Hybrid XLE trim level to see how prices rank against the rest of the midsize car market.

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How much does Toyota Camry insurance cost?

Toyota Camry insurance costs an average of $1,502 per year. That’s $751 for a 6-month policy, or $125 per month for full coverage. Monthly insurance cost for a Camry ranges from $117 to $137, depending on the trim level being insured.

Buying insurance for a Camry should not cause sticker shock when you see the total cost. Rates run pretty much in the middle of the midsize car segment which average $1,589 per year.

The chart below shows average Toyota Camry insurance for drivers age 20 to 60 and also for three policy deductible levels. Higher deductibles lower your car insurance bill, while lower deductibles increase the cost. Rates shows are for a 2022 Toyota Camry and averaged for all trim levels.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Toyota Camry with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Camry trim levels.Data last updated on September 8, 2022
Toyota Camry Car Insurance Rates
Toyota Camry Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,514$210
$500$2,978$248
$250$3,464$289
30$1,000$1,322$110
$500$1,584$132
$250$1,852$154
40$1,000$1,264$105
$500$1,502$125
$250$1,748$146
50$1,000$1,152$96
$500$1,366$114
$250$1,588$132
60$1,000$1,132$94
$500$1,342$112
$250$1,560$130

Getting older has perks when buying an auto insurance policy. More mature drivers tend to have fewer at-fault accidents and better credit ratings and driving records. All these factors result in lower insurance rates.

Which is the cheapest Toyota Camry insurance?

The Camry with the cheapest car insurance rates is the base LE trim level costing an average of $1,402 per year. The next cheapest model is the XLE at $1,408, and coming in third is the XLE AWD at $1,424 per year.

The average cost to insure a Camry is $1,502 per year, with trim level cost ranging from the cheapest LE at $1,402 per year up to the most expensive XSE Hybrid at $1,646 per year. That’s an insurance cost range of $244.

The table below shows average car insurance cost for all trim levels available for the 2022 Toyota Camry, including a monthly rate for budgeting purposes. Average Toyota Camry insurance cost per month ranges from $117 to $137 depending on the trim level.

2022 Toyota Camry Insurance Cost by Trim Level
Toyota Camry Trim Level Annual Policy 6-month Policy Per Month
LE$1,402$701$117
XLE$1,408$704$117
XLE AWD$1,424$712$119
LE AWD$1,442$721$120
SE$1,454$727$121
SE AWD$1,468$734$122
SE Nightshade Edition$1,470$735$123
SE Nightshade Edition AWD$1,486$743$124
XSE$1,488$744$124
XSE AWD$1,502$751$125
XLE V6$1,504$752$125
LE Hybrid$1,528$764$127
XSE V6$1,534$767$128
TRD$1,544$772$129
SE Hybrid Nightshade Edition$1,572$786$131
XLE Hybrid$1,640$820$137
XSE Hybrid$1,646$823$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Toyota Camry Insurance Cost by Trim Level

As shown in the table, Camry insurance rates tend to increase right along with the trim level. So if you opt to purchase a model with more options, and hence a higher MSRP, you can expect the price you pay for car insurance to increase as well.

2021 Toyota Camry TRD
Toyota Camry TRD in Midnight Black Metallic with 19-inch matte black alloy wheels

How does the Camry compare to other midsize cars?

When comparing the $1,502 annual insurance cost of the Toyota Camry to all other midsize cars (excluding luxury cars) for 2022, the Camry ranks #4 out of 13 vehicles. The Camry isn’t as cheap to insure as the Subaru Legacy or Honda Insight, but fares better than the Tesla Model 3 at $1,602 and the Hyundai Sonata at $1,736 per year.

The table below shows how the Camry ranks against the rest of the 2022 midsize car segment for insurance affordability.

Toyota Camry Insurance Cost vs All Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$22
2Honda Insight$1,482-$20
3Kia K5$1,498-$4
4Toyota Camry$1,502--
5Volkswagen Passat$1,508$6
6Mazda 6$1,518$16
7Chevrolet Malibu$1,584$82
8Honda Accord$1,588$86
9Tesla Model 3$1,602$100
10Volkswagen Arteon$1,660$158
11Nissan Altima$1,706$204
12Hyundai Sonata$1,736$234
13Kia Stinger$1,798$296

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Toyota Camry Insurance Cost vs All Midsize Cars

Comparing average insurance rates for a Toyota Camry to midsize non-luxury car models with similar average MSRP can provide another useful insight. For the 2022 model year, the average dealer price on a Camry is $30,273, before destination charges and documentation fees.

The four models closest in average price to the Camry are the Mazda 6, Hyundai Sonata, Subaru Legacy, and Honda Accord. The list below shows how those models compare to the Toyota Camry by purchase price and average car insurance rates.

  • Toyota Camry vs. Mazda 6 – Having an average price of $30,542 ($24,475 to $35,900), the Mazda 6 costs $269 more than the average MSRP for the Camry. Insuring the Mazda 6 costs an average of $16 more per year than the Toyota Camry.
  • Toyota Camry vs. Hyundai Sonata – Having an average sticker price of $30,667 ($24,350 to $35,400), the 2022 Hyundai Sonata costs $394 more than the average MSRP for the Camry. Insuring a 2022 Camry compared to the Hyundai Sonata costs an average of $234 less per year.
  • Toyota Camry vs. Subaru Legacy – The 2022 Subaru Legacy has an average sticker price of $29,611, ranging from $22,995 to $36,195, which is $662 cheaper than the average cost of the Camry. The average insurance cost for a 2022 Toyota Camry compared to the Subaru Legacy is $22 more each year.
  • Toyota Camry vs. Honda Accord – The Honda Accord has an average MSRP of $31,564 ($26,120 to $38,050), which is $1,291 more expensive than the Camry. The cost to insure a Toyota Camry compared to the Honda Accord is $86 less each year on average.

Toyota Camry prior model year insurance rates

The following sections detail average Toyota Camry car insurance rates for every trim level for the 2013 to 2021 model years.

How much is 2021 Toyota Camry insurance?

Average insurance rates for a 2021 Toyota Camry are $1,498 per year, or around $125 per month. Rates range from $1,360 per year for the Camry L Sedan to $1,648 for the Camry Hybrid XLE Sedan.

Average 2021 Toyota Camry insurance cost per month ranges from $113 to $137 depending on the trim level.

2021 Toyota Camry Insurance Cost by Trim Level
2021 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,360$113
LE Sedan$1,374$115
SE Sedan$1,418$118
XLE Sedan$1,450$121
XSE Sedan$1,496$125
Hybrid LE Sedan$1,602$134
Hybrid SE Sedan$1,648$137
Hybrid XLE Sedan$1,648$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2021 Toyota Camry Insurance Cost by Trim Level

How much is 2020 Toyota Camry insurance?

Average insurance rates for a 2020 Toyota Camry are $1,468 per year, or around $122 per month. Rates range from $1,334 per year for the Camry L Sedan to $1,616 for the Camry Hybrid XLE Sedan.

Average 2020 Toyota Camry insurance cost per month ranges from $111 to $135 depending on the trim level.

2020 Toyota Camry Insurance Cost by Trim Level
2020 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,334$111
LE Sedan$1,346$112
SE Sedan$1,392$116
XLE Sedan$1,422$119
XSE Sedan$1,466$122
Hybrid LE Sedan$1,570$131
Hybrid SE Sedan$1,616$135
Hybrid XLE Sedan$1,616$135

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2020 Toyota Camry Insurance Cost by Trim Level

What does 2019 Toyota Camry insurance cost?

Auto insurance rates for a 2019 Toyota Camry are $1,402 per year, or around $117 per month, for full coverage. Rates range from $1,154 per year for the Camry L Sedan to $1,518 for the Camry Hybrid XLE Sedan.

Monthly full-coverage car insurance rates for the 2019 Toyota Camry range from $96 to $127.

2019 Toyota Camry Insurance Cost by Trim Level
2019 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,154$96
LE Sedan$1,360$113
SE Sedan$1,360$113
XLE Sedan$1,434$120
XSE Sedan$1,434$120
Hybrid LE Sedan$1,476$123
Hybrid SE Sedan$1,476$123
Hybrid XLE Sedan$1,518$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2019 Toyota Camry Insurance Cost by Trim Level

How much are 2018 Toyota Camry insurance rates?

Average insurance rates for a 2018 Toyota Camry are $1,378 annually, or about $115 per month. Rates range from $1,234 per year for the Camry L Sedan to $1,480 for the Camry Hybrid XLE Sedan.

For the 2018 model year, the average monthly cost of car insurance on the Toyota Camry costs $103 to $123, depending on the trim level being insured.

2018 Toyota Camry Insurance Cost by Trim Level
2018 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,234$103
LE Sedan$1,288$107
SE Sedan$1,328$111
XLE Sedan$1,398$117
XSE Sedan$1,398$117
Hybrid LE Sedan$1,440$120
Hybrid SE Sedan$1,440$120
Hybrid XLE Sedan$1,480$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2018 Toyota Camry Insurance Cost by Trim Level

How much does 2017 Toyota Camry car insurance cost?

Annual average insurance rates for a 2017 Toyota Camry are $1,348, or around $112 per month. Rates range from $1,256 per year for the Camry LE Sedan to $1,442 for the Camry Hybrid XLE Sedan.

Average 2017 Toyota Camry insurance cost per month ranges from $105 to $120, with the LE trim being cheapest and the Hybrid XLE model costing the most to insure.

2017 Toyota Camry Insurance Cost by Trim Level
2017 Toyota Camry Trim Level Annual Rate Per Month
LE Sedan$1,256$105
SE Sedan$1,256$105
XLE Sedan$1,336$111
XSE Sedan$1,336$111
Hybrid LE Sedan$1,404$117
Hybrid SE Sedan$1,404$117
Hybrid XLE Sedan$1,442$120

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2017 Toyota Camry Insurance Cost by Trim Level

How much is 2016 Toyota Camry insurance?

Average full coverage insurance rates for a 2016 Toyota Camry are $1,266 per year, with monthly rates ranging from $103 to $109. By trim level, rates range from $1,232 per year for the Camry LE Sedan to $1,306 for the Camry XSE Sedan.

2016 Toyota Camry Insurance Cost by Trim Level
2016 Toyota Camry Trim Level Annual Rate Per Month
LE Sedan$1,232$103
SE Sedan$1,232$103
Hybrid LE Sedan$1,256$105
Hybrid SE Sedan$1,256$105
Hybrid XLE Sedan$1,292$108
XLE Sedan$1,306$109
XSE Sedan$1,306$109

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2016 Toyota Camry Insurance Cost by Trim Level

What does auto insurance on a 2015 Toyota Camry cost?

Average insurance rates for a 2015 Toyota Camry are $1,178 per year, or around $98 per month. Rates range from $1,088 per year for the Camry LE Sedan to $1,254 for the Camry Hybrid XLE Sedan.

2015 Toyota Camry Insurance Cost by Trim Level
2015 Toyota Camry Trim Level Annual Rate Per Month
LE Sedan$1,088$91
SE Sedan$1,088$91
XLE Sedan$1,158$97
XSE Sedan$1,158$97
Hybrid LE Sedan$1,254$105
Hybrid SE Sedan$1,254$105
Hybrid XLE Sedan$1,254$105

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2015 Toyota Camry Insurance Cost by Trim Level

How much are 2014 Toyota Camry insurance rates?

Average insurance rates for a 2014 Toyota Camry are $1,146, or around $96 per month. Rates range from $1,110 per year for the Camry L Sedan to $1,198 for the Camry Hybrid XLE Sedan.

2014 Toyota Camry Insurance Cost by Trim Level
2014 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,110$93
LE Sedan$1,110$93
SE Sedan$1,110$93
XLE Sedan$1,142$95
Hybrid LE Sedan$1,198$100
Hybrid XLE Sedan$1,198$100

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2014 Toyota Camry Insurance Cost by Trim Level

How much does 2013 Toyota Camry insurance cost?

Average insurance rates for a 2013 Toyota Camry are $1,076 per year, or around $90 per month. Rates range from $984 per year for the Camry L Sedan to $1,252 for the Camry Hybrid XLE Sedan.

2013 Toyota Camry Insurance Cost by Trim Level
2013 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$984$82
LE Sedan$984$82
SE Sedan$984$82
XLE Sedan$1,014$85
Hybrid LE Sedan$1,252$104
Hybrid XLE Sedan$1,252$104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Toyota Camry, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
2013 Toyota Camry Insurance Cost by Trim Level