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Toyota Camry Car Insurance

Edited by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: January 25th, 2024

The average cost to insure a Toyota Camry is $2,142 a year. However, the price you’ll pay for Toyota Camry insurance will depend on the year and trim level of your specific Toyota Camry. Other factors, like where you live, will also affect your rates.

What does it cost to insure my Toyota Camry?

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Last updated: January 25th, 2024

Is it expensive to insure a Toyota Camry?

Based on the average cost of car insurance, it can be said that insuring a Toyota Camry is slightly more expensive than the average cost for all cars. However, it is important to note that this cost may vary based on factors such as the model year and trim level of the vehicle. Newer model years can sometimes come with higher insurance costs due to their higher value and cost of repairs and replacement parts. Similarly, higher trim levels of the Camry can also affect insurance rates as they often have increased value and features.

Average Annual Premium by Trim Level for a Toyota Camry

Toyota Camry insurance cost by year

In 2023, the average cost of insurance for a Toyota Camry varied depending on the model year. The data shows that the prices generally increased over time, with the newest model year, 2023, having the highest average premium of $2,142. On the other hand, the older model years, such as 2014 and 2015, had lower premiums of $1,667 and $1,702, respectively. Overall, the data suggests that as Toyota Camry models get newer, the insurance premiums tend to increase, but there are a couple of exceptions with the 2022 and 2016 model years.

Average Annual Premium by Model Year for a Toyota Camry

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

Best car insurance companies for your Toyota Camry

The table below shows an average of how much it costs to insure a 2023 base model Toyota Camry at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.

Click here to see what it would cost to insure your Toyota Camry at top providers near you >

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

How expensive is it to insure a Toyota Camry compared to other Midsize Sedans?

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How can you save money on insurance for your Toyota Camry? 

While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.

Your Toyota Camry may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.

How much should I expect to pay to insure my Toyota?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

How much is insurance on a Toyota Camry?

The average annual cost of car insurance for a 2023 Toyota Camry with base trim is $2,142. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

Is Toyota Camry expensive to insure?

Yes, the Toyota Camry is slightly expensive to insure, as its average cost of insurance is $19 higher than the overall average.

How can I get cheaper car insurance?

One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.


Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.