Car Insurance Rates for a 2018 Toyota Camry

Discover the cost of car insurance on a 2018 Toyota Camry, plus how rates can vary depending on factors such as your location, the options included on your Camry, and policy deductibles.

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If you think the cost of your current auto insurance policy is just too expensive, or you are comparison shopping for good insurance for a new-to-you 2018 Toyota Camry, we suggest checking out some of the rates and comparisons shown below.

We primarily focus on the average prices drivers pay to insure a 2018 model year Toyota Camry, but we also break down how the Camry compares to other vehicles.

Following the average car insurance cost data, we also show how various rating factors can impact the price you pay for car insurance like the trim level of your Camry and where you live. Plus, we hit on some important questions to ask yourself in order to find the best car insurance.

At any point in the article, if you would like to see real-time car insurance rates, think about getting free insurance price quotes. It only takes a few minutes and there is never an obligation to buy.

How much are 2018 Toyota Camry insurance rates?

Full-coverage insurance on a 2018 Camry will cost around $1,494 per year, which is $747 for a six-month policy, or around $125 as a monthly payment.

If inexpensive rates are your top priority, there are a few better options than the Camry. When looking at the entire midsize car segment, it does cost $132 more per year to insure than the most affordable midsize car, but it is also $242 cheaper than the highest-priced model.

The following chart shows a few of the possible rate variations on a 2018 Toyota Camry for some common policy risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2018 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota Camry trim levels.Data last updated on April 14, 2023
2018 Toyota Camry Insurance Cost Summary
2018 Toyota Camry Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,410$284
Safe Driver Age 20$2,982$249
At-fault Accidents Age 40$2,128$177
Low Deductibles Age 40$1,900$158
Safe Driver Age 30$1,564$130
Safe Driver Age 40$1,494$125
Safe Driver Age 50$1,364$114
Safe Driver Age 60$1,340$112
High Deductibles Age 40$1,282$107
Discount Rate Age 40$1,238$103

If you’re looking for more affordable car insurance prices, this data demonstrates why you really need to use identical coverages on each rate quote, thanks to the rather large differences in prices that minor discrepancies in rating factors can cause.

One of the best ways to save money on car insurance is to bundle it with your home insurance, if possible. Doing this can save an average of $164 per year when insuring a 2018 Toyota Camry.

Which 2018 Toyota Camry model is the most affordable to insure?

One of the more surprising factors that impact car insurance is the actual trim level of Camry you’re insuring. As a general rule, the more a vehicle costs, the more it will also cost to insure.

The overall most affordable 2018 Camry to insure is the L Sedan trim, at an average cost of $1,336 per year, or $111 per month.

The most expensive 2018 Camry to insure is the Hybrid XLE Sedan at $1,608 per year, or about $134 per month.

The difference between the cheapest model to insure and the most expensive is $272 for an annual full-coverage insurance policy. That’s a pretty big price difference just based on different trim levels of the same vehicle.

The table below illustrates insurance prices for all 2018 Toyota Camry trim levels. Average prices are shown for both annual and semi-annual car insurance policies, in addition to the monthly budgeting figure.

2018 Toyota Camry Insurance Cost by Trim Level
Toyota Camry Trim Level Annual Policy Six-Month Policy Per Month
L Sedan$1,336$668$111
LE Sedan$1,400$700$117
SE Sedan$1,442$721$120
XLE Sedan$1,518$759$127
XSE Sedan$1,518$759$127
Hybrid LE Sedan$1,562$781$130
Hybrid SE Sedan$1,562$781$130
Hybrid XLE Sedan$1,608$804$134

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 April 14, 2023
2018 Toyota Camry Insurance Cost by Trim Level

If you’re looking at getting a 2018 Camry and want to know how the cost of insurance compares to other vehicles, the data below is for you.

This chart compares the average cost to insure a 2018 Camry ($1,494 highlighted in orange) to other vehicles from different automotive segments.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average car insurance cost is based on 2018 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on April 14, 2023
2018 Toyota Camry Insurance vs. Other Popular Vehicles
2018 Toyota Camry Insurance vs. Other Popular Vehicles
Make and Model Insurance Cost Difference
Subaru Crosstrek$1,162-$332
Honda CR-V$1,176-$318
Chevrolet Equinox$1,252-$242
Chevrolet Traverse$1,364-$130
Hyundai Tucson$1,372-$122
Volkswagen Tiguan$1,388-$106
Honda Pilot$1,392-$102
Kia Sportage$1,416-$78
Ford Escape$1,430-$64
Ford Explorer$1,438-$56
Ford F150$1,450-$44
Toyota Camry$1,494--
Kia Sorento$1,504$10
Toyota Highlander$1,546$52
Jeep Grand Cherokee$1,574$80
Nissan Altima$1,612$118
Chevrolet Silverado$1,630$136
Ram Truck$1,638$144
Jeep Wrangler$1,646$152
Tesla Model 3$1,672$178
Hyundai Elantra$1,676$182

Insurance on a 2018 Camry is going to be cheaper than a lot of vehicles, especially larger pickups and higher-performance models. On the other hand, it will be more expensive than many small and midsize SUVs.

The list below breaks out some of the data shown in the chart. To see the chart data as a table, click the table icon in the lower-left corner of the chart.

  • The Camry costs $64 more per year to insure than the Ford Escape
  • The Camry costs $44 more per year to insure than the Ford F150
  • The Camry costs $144 less per year to insure than the Ram Truck
  • The Camry costs $80 less per year to insure than the Jeep Grand Cherokee
  • The Camry costs $318 more per year to insure than the Honda CR-V

2018 Camry insurance rates in larger U.S. cities

In addition to the trim level of the Camry you’re insuring, your location is another factor that really has an impact on the rate you pay.

The table below ranks the average cost to insure a 2018 Camry in 75 of the larger cities in the U.S. The table is ordered alphabetically by the city name, but can also be sorted by any of the other columns.

2018 Toyota Camry Insurance Rates in 75 of the Largest U.S. Cities
City/State Annual Rate Monthly Rate
Detroit, MI$3,480$290
New York, NY$2,634$220
New Orleans, LA$2,590$216
Philadelphia, PA$2,338$195
Las Vegas, NV$2,328$194
Los Angeles, CA$2,322$194
St. Louis, MO$2,246$187
Louisville, KY$2,232$186
Hialeah, FL$2,222$185
Miami, FL$2,152$179
Newark, NJ$2,138$178
Yonkers, NY$2,110$176
Tampa, FL$2,094$175
Henderson, NV$2,056$171
San Francisco, CA$2,012$168
Baton Rouge, LA$2,008$167
Oakland, CA$2,000$167
St. Petersburg, FL$1,900$158
Long Beach, CA$1,842$154
Aurora, CO$1,818$152
Jersey City, NJ$1,802$150
Tulsa, OK$1,802$150
Kansas City, MO$1,792$149
Oklahoma City, OK$1,792$149
Denver, CO$1,754$146
Little Rock, AR$1,752$146
Atlanta, GA$1,732$144
Colorado Springs, CO$1,718$143
Fresno, CA$1,694$141
San Jose, CA$1,684$140
Worcester, MA$1,684$140
Phoenix, AZ$1,638$137
Orlando, FL$1,638$137
Portland, OR$1,618$135
San Diego, CA$1,608$134
Boston, MA$1,604$134
Jacksonville, FL$1,600$133
Reno, NV$1,578$132
Glendale, AZ$1,570$131
Wichita, KS$1,560$130
Chicago, IL$1,558$130
Buffalo, NY$1,548$129
Lexington, KY$1,542$129
Grand Rapids, MI$1,540$128
St. Paul, MN$1,516$126
Minneapolis, MN$1,512$126
Birmingham, AL$1,504$125
Columbus, GA$1,492$124
Tallahassee, FL$1,484$124
Mesa, AZ$1,450$121
Albuquerque, NM$1,430$119
Chandler, AZ$1,414$118
Tucson, AZ$1,400$117
Overland Park, KS$1,400$117
Anchorage, AK$1,382$115
Augusta, GA$1,382$115
Montgomery, AL$1,372$114
Omaha, NE$1,344$112
Huntsville, AL$1,324$110
Rochester, NY$1,212$101
Indianapolis, IN$1,204$100
Lincoln, NE$1,178$98
Cleveland, OH$1,160$97
Toledo, OH$1,156$96
Fayetteville, NC$1,122$94
Cincinnati, OH$1,122$94
Columbus, OH$1,108$92
Fort Wayne, IN$1,084$90
Charlotte, NC$1,056$88
Des Moines, IA$1,038$87
Honolulu, HI$1,028$86
Boise, ID$1,002$84
Raleigh, NC$934$78
Durham, NC$924$77
Greensboro, NC$920$77

Get Rates in Your AreaWhy is this important?

What is the best insurance for a 2018 Toyota Camry?

That is a fantastic question, but unfortunately, there is not a simple answer.

Why? Because the best insurance for one person is not always the best for another. The questions below are some important things to ask yourself about how you prioritize your car insurance needs.

Your answers to these questions can help you find the best coverage for your Camry.

Are you properly protected?

This is a question that a lot of people don’t understand entirely when it comes to car insurance.

There are basically two requirements, the first is meeting your state’s required minimum liability amounts, and the second is adequately protecting your assets.

State minimums are usually not very high, which can leave you on the hook personally if you’re involved in an accident where the damages exceed your policy limits.

The more important question is how much coverage do you need so that an unfortunate accident does not ruin you financially.

Liability insurance is pretty cheap coverage considering the amount of protection you’re getting. So don’t scrimp when it comes to this coverage.

The 2018 Toyota Camry received a Top Safety Pick+ award from the Insurance Institute for Highway Safety (IIHS) and a 5-star rating from the National Highway Traffic Safety Administration.

What coverage do you have if your vehicle is damaged?

Bodily injury liability

Bodily injury liability coverage provides protection for any injury or damage you, or anyone listed on the policy, cause to another person while driving, including when driving someone else’s car with their consent.

It is recommended that drivers purchase liability insurance beyond the minimum amount that the state requires. Such extra coverage is necessary to protect financial assets like homes and savings in case of a major accident.

Medical payments or personal injury protection (PIP)

This insurance reimburses the policyholder’s car occupants for any medical costs and lost wages due to an accident.

It can also help to compensate for any activities that need to be outsourced as a result of the crash and provide funds for funeral expenses.

Property damage liability

This coverage provides compensation for the harm that either you or another driver, who has been given your authorization, may have caused to someone else’s belongings.

Generally, this means damage that has been done to someone else’s vehicle, but it can also involve the destruction of lamp posts, telephone poles, fences, buildings, and other structures that were struck by your car.


Collision coverage will pay for repairs to your vehicle when it has been in an accident involving another vehicle, an object like a tree or a telephone pole, if it overturns, or as a result of potholes.

You will need to pay a separate deductible before coverage will apply.

If you were at fault, your collision coverage would still pay and deduct the amount of your deductible.

If you were not the one at fault, your insurance company will attempt to get the money back from the other driver’s insurer, and you may be able to get the deductible refunded.


This coverage compensates you for expenses related to theft or destruction not caused by hitting another car or object.

Comprehensive coverage takes into account accidents like fires, objects tumbling out of the sky, missile attacks, earthquakes, storms, hailstorms, flooding, vandalism, riots, and animal collisions.

Additionally, if your windshield breaks, this type of insurance generally has you covered. Typically, glass coverage is subject to the policy deductible, but some insurers offer lower glass deductibles as optional coverage.

Uninsured and underinsured motorist coverage

If you, an immediate family member, or a designated driver are hit by an uninsured driver or a driver without enough insurance to cover all expenses, underinsured motorist coverage provides reimbursement.

This coverage also provides protection if a policyholder is the target of a hit-and-run crash or if a pedestrian is struck by an uninsured or inadequately insured motorist.

Do you need GAP insurance?

Gap insurance can help to safeguard you from having to keep paying for a car loan if your car is completely destroyed.

It pays out the difference between the value of your car and the balance of your loan amount.

This way, you don’t have to be burdened with being in debt for a car you no longer possess. Many lenders require your purchase of this type of insurance when you take out a loan for a car.

Are you getting all the discounts that are available?

Discounts are the bomb. And one of the best ways to save on car insurance is to make sure you’re getting every one of them that you’re entitled to.

The list below shows some of the more common discounts that are available from larger insurance companies and the range of savings you can expect on a 2018 Toyota Camry.

  • Multi-Policy Bundling – Savings of 1% to 17% which can save an average of $164
  • Usage-based – Savings up to 30% which could save an average of $139
  • Safety Features – Savings of 3% to 20% which could save an average of $118
  • Defensive Driving – Savings of 5% to 10% which could save around $112 on a 2018 Camry
  • Active military – Savings of 5% to 15% saving an average of $105
  • Pay in Full – Savings of 5% to 10% or around $94
  • Multiple Vehicles – Savings of 4% to 15% or around $90
  • Student Away at School – Savings of 4% to 25% which can save an average of $87
  • Good Student – Savings of 3% to 20% or an average of $78
  • Driver Education – Savings of 2% to 10% or an average of $75
  • Early Signing – Savings of 3% to 10% or about $66
  • Homeowner – Savings of 2% to 10% or an average of $60
  • Occupational – Savings of 3% to 12% or around $57
  • Professional Organizations – Savings of 3% to 10% which can save around $48
  • Customer Loyalty – Savings of 2% to 10% or around $45

One important point about discounts is that there is a maximum amount you can save. So you might see all those savings figures and think your company will be paying you to buy a policy. It just doesn’t work quite like that, unfortunately.

Online car insurance quotes are fast and easy, and allow you to compare 2018 Toyota Camry rates from multiple insurance companies from the comfort of your own home.

How much do you drive?

Many companies offer premium reductions for drivers who don’t drive very much. If you’re one of these people, you may look into a usage-based program that allows companies to track your driving habits through the use of an electronic monitoring device.

It sounds invasive, but it’s the way of the future when it comes to car insurance. One big caveat, however, is that if you’re a bad driver you could actually end up paying more for insurance.

What factors are causing your insurance to be expensive?

There are a lot of personal decisions we make that impact our car insurance rates.

For example, if you choose to exceed the speed limit, then if you get a speeding ticket you’re going to have to pay the piper. Or in this case, the insurance company.

Is your credit bad? A lot of states allow car insurance companies to use credit scoring to help set the price you pay. Research has shown that people with better credit are less likely to be problem customers and file a lot of claims.

If you’ve made some bad decisions that are impacting your rates, take the steps necessary to correct them. Your wallet will thank you.

Do you need such a low deductible?

A low deductible means you pay less out-of-pocket if you have a covered claim. But as a result, you will pay more with every car insurance bill.

If you can handle the extra financial hit by buying a higher-deductible policy, you may be better off in the long run.

Here’s an example. If the average driver buys a policy for their 2018 Toyota Camry with a $1,000 deductible rather than a $250 deductible, they save an average of $618 per year.

If they have a claim in the first year, they’ll come out worse with the high-deductible policy, since the extra $750 out-of-pocket is more than the savings.

However, if they have a claim every other year, they actually end up saving around $500 every two years.

Just keep in mind that the key here is to have enough savings on hand to cover that extra deductible requirement. You don’t want to put yourself into a financial bind if you have a claim but don’t have the resources to cover the deductible.