Enter your ZIP code below and click Compare to see the cheapest rates in your area.
We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Average Toyota Camry insurance rates
The Toyota Camry is an award-winning midsize sedan that is best known for comfort and savety. It comes standard with a suite of great safety features that could help you save on insurance, but how much will you really pay?
According to our estimates, the average cost of auto insurance for a Toyota Camry is $175 a month — or $2,100 a year. This number is nearly $1000 above the national average, but your actual cost may vary.
Online quotes & claims
Bundle and save
Our top pick: Progressive
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
The stalwart Camry is cheap and easy to insure, making your search for car insurance simple. Consider what extra coverage you want above your state minimum coverage plus how you’ll be using your sedan.
Price. In order to accurately compare your options by price, you’ll need to use the same driver and vehicle details for every quote.
Deductible. When comparing policies, be aware that the deductible amount can affect the cost of your premiums. If you’re getting quotes, make sure to use the same deductible amount for each provider.
Minimum coverage. Outside of New Hampshire and Virginia, coverage is mandatory. Make sure your potential policy meets your state minimums before moving forward.
Additional coverage. Before deciding on a policy, make sure to consider any additional coverage options you may need, and don’t forget to include them when getting quotes.
Extras. Before choosing a provider, find out what features each policy includes and which extras are available.
Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
Car insurance rates for Toyota Camry by year
What factors affect car insurance rates for Toyota Camry?
Insurance providers evaluate your chances of filing claims when determining your cost of insurance. Since theft rates, vehicle performance, repair costs and other factors can vary between makes and models, your choice of vehicle often has a direct impact on the amount you pay for auto insurance. Here’s how the Toyota Camry compares to other vehicles.
Body type. The Toyota Camry is a sedan that’s designed for daily driving, commuting, road trips and other safe uses, which should bring down the cost of auto insurance.
Type of car. The Camry is a comfortable and safe midsize car. This should make for affordable insurance premiums.
Theft. The Toyota Camry is one of the most frequently stolen vehicles, which may increase the cost of insurance.
Repairs. The Toyota Camry needs little maintenance and has low repair costs, two factors that could lead to lower insurance premiums.
Safety ratings. According to U.S. News and J.D. Power, the Camry has a perfect 10/10 safety rating. This should make it cheaper to insure.
Fuel type. The Camry has a gas engine, which is cheaper to insure compared to vehicles with diesel, hybrid or electric engines.
Trim & packages. Choosing trims or packages that increase power or overall value may lead to higher premiums. That said, options that improve visibility and safety may be eligible for auto insurance discounts.
Get the cheapest quotes
Compare car insurance companies near you.
Your information is secure.
Does the Toyota Camry qualify for auto insurance discounts?
You could save money on car insurance for your Toyota Camry if it comes equipped with these safety features.
The Toyota Camry has been around since 1982. The midsize car is known for its spacious seating, comfortable ride and high safety scores. From 1997 to 2016, with the exception of the year 2001, the Toyota Camry has been the top selling passenger car in the United States.
Both the IIHS and U.S. News give the 2018 Toyota Camry near-perfect safety ratings in almost every category, which could help you save on auto insurance.
U.S. News and J.D. Power give the 2018 Camry 4.5/5 stars for reliability, making it one of the most reliable vehicles in its class.
Toyota Camry maintenance
The Toyota Camry is a midsize sedan that’s designed to provide a safe and comfortable driving experience no matter how far you’re taking it. It has above average reliability ratings and low average repair costs, meaning that it probably will not require frequent maintenance. With that said, routine service appointments can ensure that everything is running smoothly, helping you extend the life of your vehicle. Here’s what you should know:
Toyota recommends an oil change every 5,000 miles or 5 months, whichever comes first.
Oil changes for a Toyota Camry should cost between $75 and $125, but your actual cost could vary.
The Camry has an average annual repair cost of over $221, which is below average for similar vehicles.
Consult your owners manual or contact your dealership for more information on the Toyota Camry’s maintenance schedule.
Is an extended warranty worth it for the Toyota Camry?
The Camry comes with Toyota’s standard 3-year/36,000 mile limited warranty, along with a 5-year/60,000-mile powertrain warranty and 5-year corrosion coverage. The standard warranty covers all parts other than normal wear such as oil and air filters, tires and so on. New Toyota vehicles also come with two years or 25,000 miles of ToyotaCare, which covers scheduled maintenance and 24/7 roadside assistance.
It’s unclear whether or not Toyota offers any extended warranty options, but you should ask your dealer for more information. That said, Toyota vehicles are extremely reliable and have low average repair costs, so you should decide whether the cost an extended warranty is worth the cost.
Compare Toyota competitors
Find out what else Toyota has to offer or explore other vehicles from different manufacturers.
The Toyota Camry has been around since 1982 and has long been considered a top-rated midsize sedan. It holds incredible safety ratings and comes equipped with award-winning safety and driver assistance features that may be eligible for auto insurance discounts. You should Compare your options to get quotes from multiple providers and determine which is best for your situation.
Frequently asked questions about the Toyota Camry
The Camry comes equipped with a number of award-winning safety and driver assistance features that may be eligible for discounts. That said, discounts and rates vary between providers, so you’ll need to get quotes from multiple sources to find the actual price you’ll pay for coverage.
There is no single best provider for the Camry. Auto insurance policies and rates are affected by a number of driver and vehicle-related factors, so you’ll need to compare your options and get multiple quotes to find out which is best for your situation.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
Which car insurance provider is best for me?
Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Wielding a degree in Economics from Dalhousie University, Peter Carleton is a writer that covers banking and investing at finder.com. From savings accounts to cutting-edge banking apps, robo-advisors and beyond, he breaks down what you need to know about where you put your money. When Peter's not thinking about bank accounts and investing tools, he runs a creative agency and spends his spare time cooking or reading.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.