Compare Toyota Camry car insurance rates | finder.com

Toyota Camry insurance rates

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Toyota Camry Insurance Finder

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.

Compare insurance providers that cover Toyota Camry

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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Toyota Camry car insurance rates

A 2017 Toyota Camry starts at a base price of $23,070. With the average insurance rate at $2,100 per year, the annual insurance cost–to–base car price ratio is 9.1%.

Model Monthly insurance rate Base car price
4runner $227.00 $34,210
Avalon $170.00 $33,300
Camry $175.00 $23,070
Corolla $179.00 $18,500
Highlander $227.00 $30,630
Land Cruiser $162.00 $84,775
Mirai $220.00 $57,500
Prius $177.00 $23,475
Prius C $220.00 $20,150
Prius Prime $220.00 $27,100
Prius V $167.00 $26,675
RAV4 $167.00 $24,410
RAV4 Hybrid $220.00 $29,030
Sequoia $157.00 $45,560
Sienna $149.00 $29,750
Tacoma $142.00 $29,750
Tundra $135.00 $30,120
Yaris $181.00 $15,250
Yaris iA $220.00 $15,950

How to compare insurance for the Toyota Camry

Whether you’re thinking about buying a new vehicle or trying to find the best way to protect your Toyota Camry, it’s important to budget for the cost of auto insurance. Shopping for coverage can be overwhelming and often expensive depending on your driving history, vehicle and other factors. And since auto insurance is mandatory in almost every state, you’ll need to start looking for a policy that fits your situation. The best way to do that is to compare quotes from multiple providers. Here’s how:

  • 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.

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.

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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.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Toyota Camry safety & reliability ratings

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.

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Compare Toyota competitors

Find out what else Toyota has to offer or explore other vehicles from different manufacturers.

Compare all car makes & models

Bottom line

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

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