- Average Toyota Camry insurance is $1,488 per year, or $124 per month for full coverage.
- The cheapest Camry to insure is the base LE trim level at an estimated $1,388 per year. The most expensive is the XSE Hybrid at $1,636.
- When compared to the entire midsize car segment, the 2022 Camry falls near the middle of the pack at #4 out of 13 total comparison vehicles.
- Average rates for earlier Toyota Camry model years range from $1,068 for the 2013 model year to $1,486 for the 2021 model year.
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.
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.
| 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 |
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.
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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Legacy | $1,466 | -$22 |
| 2 | Honda Insight | $1,472 | -$16 |
| 3 | Kia K5 | $1,486 | -$2 |
| 4 | Toyota Camry | $1,488 | -- |
| 5 | Volkswagen Passat | $1,494 | $6 |
| 6 | Mazda 6 | $1,508 | $20 |
| 7 | Chevrolet Malibu | $1,574 | $86 |
| 8 | Honda Accord | $1,580 | $92 |
| 9 | Tesla Model 3 | $1,590 | $102 |
| 10 | Volkswagen Arteon | $1,648 | $160 |
| 11 | Nissan Altima | $1,692 | $204 |
| 12 | Hyundai Sonata | $1,724 | $236 |
| 13 | Kia Stinger | $1,784 | $296 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
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 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 |
