Compare Toyota Camry Car Insurance Rates [2025]

In the table above, rates are averaged for all Toyota Camry models and trim levels, so the numbers will be high for the low-end models and vice versa. These rates are based on a 40-year-old male driver with full coverage, $500 deductibles, and a clean driving record.

Collision insurance protects you by paying for damages to your vehicle if you’re at fault in an accident, whether you hit another vehicle or a stationary object such as a wall or mailbox. If you have a loan on your car you may be required by the lender to have active collision insurance on your policy.

How does the MSRP of a Toyota Camry affect comprehensive car insurance rates?

More expensive vehicles cost more to replace if the car is totaled. Many comprehensive issues could cause a total loss, including fire, theft, and flooding, just to name a few. Claims of this nature could be either comprehensive (fire, theft, flood, or hail) or collision (impact or rollover).

The more a vehicle costs to buy, the more it costs to replace, which means higher rates for both collision and comprehensive coverage.

Toyota Camry Aveage Comprehensive Coverage Car Insurance Rates

In the table above, rates are averaged for all Toyota Camry models and trim levels, so the numbers will be high for the low-end models and vice versa. These rates are based on a 40-year-old male driver with full coverage, $500 deductibles, and a clean driving record.

Comprehensive insurance covers damage to your car that isn’t caused during an accident. Some examples of what might be covered under a comprehensive policy are hail damage, theft, and vandalism.

If you’re financing your vehicle, your lender may require you to purchase comprehensive coverage.

What are the theft rates of the Toyota Camry?

The more popular a car is, the more likely it is to be stolen. This is partly because there are more of them on the road, but also because there is a bigger market for stolen parts for the most popular vehicles.

Because the Toyota Camry has been among the top-selling vehicles for many years, it’s among the most commonly stolen vehicles in the country.

The Camry was the fifth-most stolen vehicle in the country in 2018, with 16,906 reported thefts.

How do the theft rates of the Toyota Camry affect comprehensive car insurance rates?

Theft rates in your ZIP code play a part in your insurance rates. The more thefts in a ZIP code, the more expensive comprehensive insurance will be, which is part of the reason why one ZIP code can be much more expensive than another ZIP code in the same city.

According to the National Criminal Justice Reference Service, 95 percent of census block groups will have at least one car theft during the year, but the presence of manufacturing or industrial land use and concentrated rental housing units is enough to significantly increase the risk of motor vehicle theft.

The odds are good that the number of Toyota Camry thefts in your neighborhood will impact your insurance rates based on your ZIP code.

If you’re planning to move in the future, checking your ZIP code with your insurance company to see if it changes your insurance rates is a smart move. You can also ask about potential discounts for anti-theft devices and parking your car in a locked or secure garage to help reduce your insurance rates.

How much will it cost to repair my Toyota Camry?

One of the reasons the Camry is such a big seller each year is that Toyota has a reputation for making excellent cars.

They don’t need repairs the way other cars often do, and often their repairs are much more affordable than other cars. RepairPal lists average annual cost for repairs and maintenance of $388, compared to an average of $526 for midsize cars and $652 for all vehicle models.

The table below shows the average cost of maintenance for a Toyota Camry over five years:

Average Toyota Camry Maintenance Costs by Age

While those numbers are helpful, you may also need to know the average cost of repairing a Camry if the car is damaged.

Average Toyota Camry Repair Costs by Body Part

In the table above we’ve broken down the itemized cost of each type of repair, showing what portion of your overall repair cost goes to parts, labor, paint, waste disposal, etc.

Read More: Does car insurance cover paint jobs?

How does the cost of repairs affect collision and comprehensive car insurance rates?

As we’ve explained previously, collision insurance protects you by paying for damages to your vehicle if you’re at fault in an accident. Comprehensive, on the other hand, covers things that are nobody’s fault, such as weather damage and theft.

The more likely you are to file a claim for your Toyota Camry, the higher your insurance rates are likely to go.

A clean driving record and a ZIP code with few reported car thefts will go a long way in reducing the cost of your car insurance.

How does the frequency of claims filed on the Toyota Camry affect car insurance rates?

Insurance rates are typically determined by statistics and other data, so insurance companies pay close attention to the number of claims filed based on vehicle type each year. The more claims filed for a specific type of vehicle, the higher the insurance rates will be.

The table below shows claim frequency by vehicle type:

Car Insurance Claim Frequency by Vehicle Class

Keep in mind that this information is only ever available for used vehicles, so you won’t be able to look up these stats for newly released vehicles.

Looking at the numbers above, it’s clear that having minimum liability coverage is an absolute necessity. Not only is it required by law in almost every state, but it’s also necessary to protect yourself financially in the event of an accident.

If you can afford it, raising your liability levels from state-required minimums, which could be as low as $10,000 in personal injury protection and $10,000 in property damage coverage, to the highest amount of coverage you can reasonably afford will protect your assets and provide peace of mind while driving.

What is the size and class of a Toyota Camry?

The 2016-2018 Toyota Camry is considered a midsize, four-door car. The early models from the 1980s and 1990s were considered compact cars, but the Camry has grown in size over the years, moving into a bigger category.

In the table below, smaller numbers indicate better safety ratings.

Midsize Car Insurance Collision Losses

Typically, a larger vehicle provides better protection during a crash than a smaller vehicle. This is partly because the distance from the front of the vehicle to the driver in bigger cars and SUVs offers more protection in front-end collisions. Heavier vehicles also continue moving forward in a crash, subjecting the driver and passengers to less force than people traveling in a smaller car.

Improvements in design and technology have made almost every vehicle safer, but larger vehicles still have an advantage over smaller vehicles, even when those improvements are taken into account.

Vehicle Curb Weight Based on Shadow Size

As you can see from the chart above, both the weight and overall size of a vehicle are considered when determining whether it’s small, midsize, large, or very large.

A vehicle’s shadow is its overall length times its width, measured in square feet. The wider frame is the biggest factor in re-categorizing the Camry as a midsize car in the 1990s.

How does the size of the Toyota Camry affect bodily injury liability car insurance rates?

Bodily injury liability insurance covers any injuries you may cause to another person if you’re at fault for an accident. The coverage is meant to pay for medical expenses, legal fees, and necessary compensation for lost wages and income, so even a small accident could end up with tens of thousands of dollars in bodily injury liability costs.

The Toyota Camry is actually rated better than average when it comes to bodily injury insurance losses, making it a safer car to drive and a cheaper car to insure than some of the other cars in the same class.

In the table below, smaller numbers indicate better safety ratings.

Midsize Car Insurance Bodily Injury Losses

Using the Geico quote app, we ran a sample quote through their system based on a 2016 Toyota Camry. We ran this quote for a random 35-year-old woman with a clean driving record living in Dallas, which means your quoted rate might be different, even if you currently drive a Toyota Camry.

For state minimum levels of liability coverage (30/60/25) along with comprehensive and collision with a $1,000 deductible, our generic person was quoted $1,145.20 for a six-month policy. The bodily injury liability coverage was $252.10 of that total. If she increases her liability coverage to the maximum available levels (100/300/100) she would be quoted $1,291.54, of which $356.01 goes toward the bodily injury liability total.

The cost difference between the two levels of liability coverage is relatively small, which means that people who can afford to pay the extra cost each year can have significantly more protection if they need the extra coverage in an at-fault accident.

How does the size of the Toyota Camry affect property damage liability car insurance rates?

Property damage liability insurance covers any damages caused to someone else’s property in an at-fault accident. This means that damages to the other driver’s car will be covered, but it isn’t limited to vehicles.

If something happens and you end up driving through someone’s mailbox or driving into a wall, property damage liability is the coverage that will pay for those damages.

In our Geico quote above, our driver was quoted $1,145.20 for a six-month policy, with $314.60 going toward the cost of her property damage liability coverage at the state minimum level. If she increases her property damage coverage to the maximum of $100,000, her property damage liability premiums go up to $346.90, which means that she can quadruple her coverage for less than $100 per year.

What are the safety features of the Toyota Camry?

The Toyota Camry typically comes outfitted with the safety equipment listed below:

• Anti-lock brake system (ABS) with electronic brake-force distribution (EBD) and brake assist
• Driver and front passenger advanced air bag system
• Driver and front passenger front seat-mounted side air bags and front and rear side curtain air bags
• Driver’s knee air bag
• Three-point seat belts that cover all possible seating positions, including driver-side; emergency locking retractor (ELR) and automatic/emergency locking retractors (ALR/ELR) on all passenger belts

All of the air bag systems are supplemental restraint systems. All air bags are created to inflate only under specific conditions and in particular kinds of serious collisions:

• Frontal and knee air bags generally inflate in frontal collisions
• Side and side curtain air bags in side collisions
• Roll-sensing curtain air bags at a severe tilt degree, roll or lateral G-force

Insurance companies prefer to insure vehicles that include anti-lock braking systems and more than one air bag system when they are calculating car insurance costs. They feature insurance rate discounts for these types of cars.

What are the safety ratings of the Toyota Camry?

IIHS rates a vehicle’s safety on two factors. The first is crashworthiness, or how well a car protects drivers and passengers in a crash, and crash avoidance and mitigation, which is a technology that helps prevent a crash or reduce the damage that comes from a crash.

The 2018 Toyota Camry is very highly rated in all categories, including physical structure, driver and passenger injury measures, and driver restraints. The only areas where the Camry rates Acceptable rather than Good are in passenger restraints, headlights, and trim level.

To get a better idea of just how safe it is to drive a Toyota Camry, check out the video below:

As the Toyota Camry only has one body type, there is no other information available on IIHS for safety ratings on other body types. For example, if a vehicle came in a two-door or four-door style, we would include the safety information for both in this section, but the Camry is only available as a four-door sedan.

How does the safety of the Toyota Camry compare to other vehicles with the same size and class?

As we discussed in the sections above, the size of your vehicle plays a part in how safe it will be in an accident. Because of this, rates of driver deaths per million registered vehicles have typically been higher for smaller, lighter vehicles.

Luckily, technological advances are making smaller vehicles safer, so the differences between large and small vehicles are less extreme today than they were in the past.

In the table below, we see occupant deaths per million registered vehicles:

2008-2018 Car Occupant Fatalities by Vehicle Class

This information is helpful, but it can also be good to know the fatality rates based on your vehicle size. You can use the table below to compare the fatality rates for midsize cars such as the Camry with other vehicle sizes to get a better understanding of how safe a vehicle is when it’s in an accident.

Car Crash Fatalities Based on Vehicle Size

Insurance companies will use these numbers to help determine your rates, so a lower number of fatalities in a category can translate into a lower insurance premium.

When it comes to types of crashes, frontal impacts were responsible for 56 percent of passenger vehicle deaths in 2018. Comparatively, side impacts accounted for only 23 percent of passenger vehicle deaths.

Other Car Insurance Coverage Rates for the Toyota Camry

So far we have talked about the way liability, collision, and comprehensive coverages impact the insurance rates for your Toyota Camry, but there is more to an insurance rate than just these factors. A car insurance calculator can help you estimate what your car insurance rates may be.

Below we’ll talk about some of the other types of coverage that you may need while driving.

How do safety ratings of the Toyota Camry affect personal injury protection (PIP) car insurance rates?

To get an idea of how the Toyota Camry fares when it comes to PIP coverage, take a look at the chart below:

Midsize Car Insurance PIP Losses

On this graph, lower numbers are better. The Camry ranks at 32 percent, which is significantly worse than many other cars in the midsize range. It isn’t the worst, however, outperforming Nissan, Chevrolet, and Hyundai.

Read more: Compare Nissan Car Insurance Rates

How do safety ratings of the Toyota Camry affect MedPay car insurance rates?

MedPay, otherwise known as medical payments coverage, is an optional coverage that can help pay your or your passengers’ medical expenses if you’re injured in a car accident, regardless of who is at fault. MedPay isn’t available in all states.

Midsize Car Insurance MedPay Losses

Much like the graph above, lower numbers are better. The Camry ranks at 30 percent, which is worse than many other cars in the midsize range. It isn’t the worst, however, outperforming Nissan, Chevrolet, Ford, and Hyundai.

Please note that PIP and MedPay numbers represent claim frequency only.

Potential car buyers ought to remember that it’s essential to get quotes from multiple insurance providers so that they’re capable of locating the very best car insurance costs for their Toyota Camry. Actual pricing will range wildly from one part of the country to another, from one state to a different state, and from one city to a different city.

The History of the Toyota Camry

The very first Toyota Camry was built in 1982. The name Camry is an anglicized version of the Japanese word for “crown”, which was a tradition with the Toyota company at the time. Toyota has several vehicles, including the Camry, Corolla, Atara, Scepter, and Tiara that were all named for crowns or royal accessories.

Originally a compact car, the Camry has grown over the years to become a midsize vehicle. It has always been a four-door vehicle, though after a few years of production a hatchback version of the Camry was also released.

There are many Camry designs across the globe, with different styles and parts used for the vehicle in America, Australia, Japan, and other places where the Camry was sold.

The Camry has come in many models and styles throughout the years, including the CE, L, LE, SE, XLE, SE V6, XLE V6, Hybrid LE, Hybrid XLE, and many others. It has been built with a variety of engine types and accessories, giving you very different driving experiences depending on which model you choose.

Sales of the Camry have gone down 1.88 percent in the last year, which seems to be in line with the overall trend for the last few years. Previously the Camry had been the best-selling car in America from 2002 to 2015, so they have seen a slow decline in sales for the past few years.

The 2020 Toyota Camry has many new features but maintains the reliability and affordability that many people have come to consider standard with the Camry.