Are you considering insuring your Toyota Camry in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Toyota Camry can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Toyota Camry costs around $2,403 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Camry might cost slightly less, around $2,255 per year, while insuring a 2018 model could be even more budget-friendly at $2,069 annually.
In this guide, we’ll explore the costs and offer tips on securing 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 provides the most affordable car insurance for your Toyota Camry, with an average annual rate of $1,910, or $159 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best 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
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Toyota Camry will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Toyota Camry. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| 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 |
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Toyota Camry car insurance rates for different trims
When it comes to insuring a Toyota Camry, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
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
The cost to insure a Toyota Camry can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Toyota Camry car insurance rates for different states in the table below.
| 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
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
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 a Toyota Camry is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 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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