If you’re looking for insurance for your Toyota Camry in 2025, you’re in the right place. Car insurance rates for the Toyota Camry depend on factors like your driving record, location and car model year.
The average annual cost to insure a 2023 Toyota Camry is $2,403. However, this rate can vary depending on the model year. For example, a 2021 Camry might cost around $2,255 annually, while a 2018 model could be more affordable at $2,069 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota Camry.
What is the cost to insure your Toyota Camry in 2025?
The average cost to insure a Toyota Camry is $200 per month or $2,400 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota Camry
Geico offers the lowest car insurance rates for your Toyota Camry, with an average cost of $1,910 per year or $159 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Toyota Camry.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,910 | $955 | $159 |
| Nationwide | $2,013 | $1,006 | $168 |
| State Farm | $2,126 | $1,063 | $177 |
| Progressive | $2,354 | $1,177 | $196 |
| Farmers | $3,031 | $1,516 | $253 |
| Allstate | $3,077 | $1,539 | $256 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota Camry car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Toyota Camry generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the Toyota Camry, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,796 | $898 | $150 |
| 2015 | $1,843 | $921 | $154 |
| 2016 | $1,894 | $947 | $158 |
| 2017 | $1,948 | $974 | $162 |
| 2018 | $2,069 | $1,035 | $172 |
| 2019 | $2,133 | $1,067 | $178 |
| 2020 | $2,194 | $1,097 | $183 |
| 2021 | $2,255 | $1,128 | $188 |
| 2022 | $2,343 | $1,171 | $195 |
| 2023 | $2,403 | $1,201 | $200 |
Toyota Camry car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Toyota Camry. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims like the Camry Hybrid XSE, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Toyota Camry.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Camry LE | $2,339 | $1,170 | $195 |
| Camry SE | $2,364 | $1,182 | $197 |
| Camry SE Nightshade Edition | $2,382 | $1,191 | $198 |
| Camry Hybrid LE | $2,411 | $1,206 | $201 |
| Camry Hybrid SE | $2,422 | $1,211 | $202 |
| Camry Hybrid SE Nightshade | $2,424 | $1,212 | $202 |
| Camry XSE | $2,432 | $1,216 | $203 |
| Camry XLE | $2,460 | $1,230 | $205 |
| Camry Hybrid XLE | $2,477 | $1,238 | $206 |
| Camry TRD | $2,554 | $1,277 | $213 |
| Camry Hybrid XSE | $2,556 | $1,278 | $213 |
Toyota Camry insurance rates: State-by-state breakdown
Insurance costs for a Toyota Camry vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Toyota Camry in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,300 | $1,150 | $192 |
| Alabama | $2,297 | $1,148 | $191 |
| Arkansas | $2,522 | $1,261 | $210 |
| Arizona | $2,318 | $1,159 | $193 |
| California | $3,060 | $1,530 | $255 |
| Colorado | $3,145 | $1,573 | $262 |
| Connecticut | $2,479 | $1,240 | $207 |
| Washington, D.C. | $2,853 | $1,427 | $238 |
| Delaware | $2,397 | $1,198 | $200 |
| Florida | $3,025 | $1,513 | $252 |
| Georgia | $3,038 | $1,519 | $253 |
| Hawaii | $1,588 | $794 | $132 |
| Iowa | $1,945 | $972 | $162 |
| Idaho | $1,574 | $787 | $131 |
| Illinois | $2,347 | $1,173 | $196 |
| Indiana | $2,179 | $1,089 | $182 |
| Kansas | $2,401 | $1,200 | $200 |
| Kentucky | $2,960 | $1,480 | $247 |
| Louisiana | $3,954 | $1,977 | $330 |
| Massachusetts | $2,142 | $1,071 | $178 |
| Maryland | $2,209 | $1,104 | $184 |
| Maine | $1,671 | $835 | $139 |
| Michigan | $3,246 | $1,623 | $271 |
| Minnesota | $2,576 | $1,288 | $215 |
| Missouri | $2,799 | $1,399 | $233 |
| Mississippi | $2,496 | $1,248 | $208 |
| Montana | $2,531 | $1,266 | $211 |
| North Carolina | $2,079 | $1,040 | $173 |
| North Dakota | $2,126 | $1,063 | $177 |
| Nebraska | $2,493 | $1,247 | $208 |
| New Hampshire | $1,802 | $901 | $150 |
| New Jersey | $2,340 | $1,170 | $195 |
| New Mexico | $2,496 | $1,248 | $208 |
| Nevada | $2,380 | $1,190 | $198 |
| New York | $1,696 | $848 | $141 |
| Ohio | $1,664 | $832 | $139 |
| Oklahoma | $2,588 | $1,294 | $216 |
| Oregon | $2,346 | $1,173 | $195 |
| Pennsylvania | $2,523 | $1,262 | $210 |
| Rhode Island | $2,848 | $1,424 | $237 |
| South Carolina | $2,253 | $1,126 | $188 |
| South Dakota | $2,848 | $1,424 | $237 |
| Tennessee | $2,612 | $1,306 | $218 |
| Texas | $3,269 | $1,634 | $272 |
| Utah | $1,994 | $997 | $166 |
| Virginia | $1,766 | $883 | $147 |
| Vermont | $1,734 | $867 | $145 |
| Washington | $2,062 | $1,031 | $172 |
| Wisconsin | $1,803 | $902 | $150 |
| West Virginia | $2,264 | $1,132 | $189 |
| Wyoming | $2,384 | $1,192 | $199 |
How your age impacts Toyota Camry insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,876 | $4,438 | $740 |
| Adults | $2,400 | $1,200 | $200 |
The bottom line
Knowing how much it costs to insure your Toyota Camry is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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