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 $1,488 per year. That’s $744 for a 6-month policy, or $124 per month for full coverage. Monthly insurance cost for a Camry ranges from $116 to $136, 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 $1,577 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 April 14, 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$2,490$208
$500$2,952$246
$250$3,434$286
30$1,000$1,314$110
$500$1,572$131
$250$1,840$153
40$1,000$1,254$105
$500$1,488$124
$250$1,734$145
50$1,000$1,144$95
$500$1,358$113
$250$1,578$132
60$1,000$1,124$94
$500$1,334$111
$250$1,550$129

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 $1,388 per year. The next cheapest model is the XLE at $1,396, and coming in third is the XLE AWD at $1,412 per year.

The average cost to insure a Camry is $1,488 per year, with trim level cost ranging from the cheapest LE at $1,388 per year up to the most expensive XSE Hybrid at $1,636 per year. That’s an insurance cost range of $248.

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 $116 to $136 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$1,388$694$116
XLE$1,396$698$116
XLE AWD$1,412$706$118
LE AWD$1,428$714$119
SE$1,442$721$120
SE AWD$1,456$728$121
SE Nightshade Edition$1,460$730$122
SE Nightshade Edition AWD$1,472$736$123
XSE$1,474$737$123
XSE AWD$1,488$744$124
XLE V6$1,492$746$124
LE Hybrid$1,520$760$127
XSE V6$1,520$760$127
TRD$1,532$766$128
SE Hybrid Nightshade Edition$1,560$780$130
XLE Hybrid$1,628$814$136
XSE Hybrid$1,636$818$136

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 March 13, 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 $1,488 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 $1,590 and the Hyundai Sonata at $1,724 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$1,466-$22
2Honda Insight$1,472-$16
3Kia K5$1,486-$2
4Toyota Camry$1,488--
5Volkswagen Passat$1,494$6
6Mazda 6$1,508$20
7Chevrolet Malibu$1,574$86
8Honda Accord$1,580$92
9Tesla Model 3$1,590$102
10Volkswagen Arteon$1,648$160
11Nissan Altima$1,692$204
12Hyundai Sonata$1,724$236
13Kia Stinger$1,784$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 March 13, 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 $20 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 $236 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 $92 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 $1,486 per year, or around $124 per month. Rates range from $1,348 per year for the Camry L Sedan to $1,636 for the Camry Hybrid XLE Sedan.

Average 2021 Toyota Camry insurance cost per month ranges from $112 to $136 depending on the trim level.

2021 Toyota Camry Insurance Cost by Trim Level
2021 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,348$112
LE Sedan$1,362$114
SE Sedan$1,408$117
XLE Sedan$1,440$120
XSE Sedan$1,482$124
Hybrid LE Sedan$1,590$133
Hybrid SE Sedan$1,636$136
Hybrid XLE Sedan$1,636$136

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 February 20, 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 $1,458 per year, or around $122 per month. Rates range from $1,322 per year for the Camry L Sedan to $1,604 for the Camry Hybrid XLE Sedan.

Average 2020 Toyota Camry insurance cost per month ranges from $110 to $134 depending on the trim level.

2020 Toyota Camry Insurance Cost by Trim Level
2020 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,322$110
LE Sedan$1,336$111
SE Sedan$1,378$115
XLE Sedan$1,410$118
XSE Sedan$1,454$121
Hybrid LE Sedan$1,560$130
Hybrid SE Sedan$1,604$134
Hybrid XLE Sedan$1,604$134

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 February 20, 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 $1,392 per year, or around $116 per month, for full coverage. Rates range from $1,146 per year for the Camry L Sedan to $1,510 for the Camry Hybrid XLE Sedan.

Monthly full-coverage car insurance rates for the 2019 Toyota Camry range from $96 to $126.

2019 Toyota Camry Insurance Cost by Trim Level
2019 Toyota Camry Trim Level Annual Rate Per Month
L Sedan$1,146$96
LE Sedan$1,350$113
SE Sedan$1,350$113
XLE Sedan$1,424$119
XSE Sedan$1,424$119
Hybrid LE Sedan$1,468$122
Hybrid SE Sedan$1,468$122
Hybrid XLE Sedan$1,510$126

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 February 20, 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 $1,368 annually, or about $114 per month. Rates range from $1,226 per year for the Camry L Sedan to $1,472 for the Camry Hybrid XLE Sedan.

For the 2018 model year, the average monthly cost of car insurance on the Toyota Camry costs $102 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$1,226$102
LE Sedan$1,280$107
SE Sedan$1,320$110
XLE Sedan$1,390$116
XSE Sedan$1,390$116
Hybrid LE Sedan$1,432$119
Hybrid SE Sedan$1,432$119
Hybrid XLE Sedan$1,472$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 February 20, 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 $1,340, or around $112 per month. Rates range from $1,248 per year for the Camry LE Sedan to $1,434 for the Camry Hybrid XLE Sedan.

Average 2017 Toyota Camry insurance cost per month ranges from $104 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$1,248$104
SE Sedan$1,248$104
XLE Sedan$1,328$111
XSE Sedan$1,328$111
Hybrid LE Sedan$1,394$116
Hybrid SE Sedan$1,394$116
Hybrid XLE Sedan$1,434$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 February 20, 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 $1,256 per year, with monthly rates ranging from $102 to $108. By trim level, rates range from $1,226 per year for the Camry LE Sedan to $1,300 for the Camry XSE Sedan.

2016 Toyota Camry Insurance Cost by Trim Level
2016 Toyota Camry Trim Level Annual Rate Per Month
LE Sedan$1,226$102
SE Sedan$1,226$102
Hybrid LE Sedan$1,244$104
Hybrid SE Sedan$1,244$104
Hybrid XLE Sedan$1,280$107
XLE Sedan$1,300$108
XSE Sedan$1,300$108

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 February 20, 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 $1,170 per year, or around $98 per month. Rates range from $1,080 per year for the Camry LE Sedan to $1,244 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$1,080$90
SE Sedan$1,080$90
XLE Sedan$1,150$96
XSE Sedan$1,150$96
Hybrid LE Sedan$1,244$104
Hybrid SE Sedan$1,244$104
Hybrid XLE Sedan$1,244$104

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 February 20, 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 $1,136, or around $95 per month. Rates range from $1,102 per year for the Camry L Sedan to $1,190 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$1,102$92
LE Sedan$1,102$92
SE Sedan$1,102$92
XLE Sedan$1,134$95
Hybrid LE Sedan$1,190$99
Hybrid XLE Sedan$1,190$99

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 February 20, 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 $1,068 per year, or around $89 per month. Rates range from $976 per year for the Camry L Sedan to $1,242 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$976$81
LE Sedan$976$81
SE Sedan$976$81
XLE Sedan$1,004$84
Hybrid LE Sedan$1,242$104
Hybrid XLE Sedan$1,242$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 February 20, 2022
2013 Toyota Camry Insurance Cost by Trim Level