Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Camry? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Camry facts

  • Average auto insurance premium: $125/month

  • Most affordable companies: GEICO ($77/month) & Erie ($89/month)

  • Camry insurance cost vs. average rate: $198 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Camry by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Camry insurer costs by state:

Risk factors affecting Toyota Camry rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Learn more about Toyota Camry rates here:

Safety Ratings & Camry Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1709
Allstate$1429
American Family$1306
Auto-Owners$1775
Country Financial$1638
Erie$1069
GEICO$927
Liberty Mutual$1253
Mercury$1409
MetLife$1686
Nationwide$1131
Progressive$1104
State Farm$1230
Tennessee Farmers$1338
Travelers$1525
USAA$1022

Compare all 2021 Toyota Camry rates

Average Cost to Insure Per Year

$1502

List Price

$24970

Trims Available

XSE - L - LE - SE - XLE - XLE V6 - XSE V6 - 2.5-L 4-Cylinder 8-Speed Automatic - AWD 2.5L 4-Cylinder 8-Speed Auto - Nightshade - SE Nightshade - XLE V6 4dr Front-wheel Drive Sedan - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1421
American Family$1285
Country Financial$1620
Erie$1033
GEICO$894
Liberty Mutual$1219
Mercury$1382
Nationwide$1127
Progressive$1058
State Farm$1206
Tennessee Farmers$1305
Travelers$1506
USAA$946

Compare all 2020 Toyota Camry rates

Average Cost to Insure Per Year

$1492

List Price

$24485

Trims Available

XSE - L - LE - SE - XLE - XLE V6 - XSE V6 - 2.5-L 4-Cylinder 8-Speed Automatic - AWD 2.5L 4-Cylinder 8-Speed Auto - Nightshade - SE Nightshade - XLE V6 4dr Front-wheel Drive Sedan

2019 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1390
American Family$1154
Country Financial$1593
Erie$901
GEICO$826
Liberty Mutual$1106
Mercury$1288
Nationwide$1025
Progressive$956
State Farm$1059
Tennessee Farmers$1236
Travelers$1469
USAA$861

Compare all 2019 Toyota Camry rates

Average Cost to Insure Per Year

$1435

List Price

$24765

Trims Available

XSE - L - LE - SE - XLE - XLE V6 - XSE V6 - 2.5-L 4-Cylinder 8-Speed Automatic - AWD 2.5L 4-Cylinder 8-Speed Auto - Nightshade - SE Nightshade - XLE V6 4dr Front-wheel Drive Sedan

2018 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1199
Acuity$ 1199
Allied$ 1222
Allied$ 1222
American Family$ 1140
American Family$ 1140
Country$ 1354
Country$ 1354
Erie$ 725
Erie$ 725
GEICO$ 681
GEICO$ 681
Nationwide$ 1024
Nationwide$ 1024
Plymouth Rock Insurance$ 1165
Plymouth Rock Insurance$ 1165
Progressive$ 932
Progressive$ 932
State Farm$ 865
State Farm$ 865
USAA$ 810
USAA$ 810
Vermont Mutual$ 1146
Vermont Mutual$ 1146

Compare all 2018 Toyota Camry rates

Average Cost to Insure Per Year

$ 1097

List Price

$ 35555

Trims Available

XSE - L - LE - SE - XLE - XLE V6 - XSE V6

2017 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1213
Acuity$ 1213
Erie$ 805
Erie$ 805
GEICO$ 929
GEICO$ 929
Nationwide$ 1206
Nationwide$ 1206
Plymouth Rock Insurance$ 1151
Plymouth Rock Insurance$ 1151
Progressive$ 1182
Progressive$ 1182
Quincy Mutual$ 1163
Quincy Mutual$ 1163
State Farm$ 1071
State Farm$ 1071
Tennessee Farmers$ 1084
Tennessee Farmers$ 1084
Texas Farm Bureau$ 910
Texas Farm Bureau$ 910
USAA$ 969
USAA$ 969
Vermont Mutual$ 1084
Vermont Mutual$ 1084

Compare all 2017 Toyota Camry rates

Average Cost to Insure Per Year

$ 1197

List Price

$ 23070

Trims Available

LE - SE - XLE - XSE - XLE V6 - XSE V6

2016 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1158
Acuity$ 1158
American Family$ 1164
American Family$ 1164
Erie$ 736
Erie$ 736
GEICO$ 871
GEICO$ 871
Plymouth Rock Insurance$ 1118
Plymouth Rock Insurance$ 1118
Progressive$ 1121
Progressive$ 1121
Quincy Mutual$ 1131
Quincy Mutual$ 1131
State Farm$ 1095
State Farm$ 1095
Tennessee Farmers$ 1052
Tennessee Farmers$ 1052
Texas Farm Bureau$ 888
Texas Farm Bureau$ 888
USAA$ 929
USAA$ 929
Vermont Mutual$ 1013
Vermont Mutual$ 1013

Compare all 2016 Toyota Camry rates

Average Cost to Insure Per Year

$ 1144

List Price

$ 23070

Trims Available

LE - SE - Special Edition - XLE - XSE - XLE V6 - XSE V6

2015 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1018
American Family$ 1018
Erie$ 620
Erie$ 620
GEICO$ 583
GEICO$ 583
Nationwide$ 1018
Nationwide$ 1018
Plymouth Rock Insurance$ 1091
Plymouth Rock Insurance$ 1091
Progressive$ 873
Progressive$ 873
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 724
State Farm$ 724
Tennessee Farmers$ 966
Tennessee Farmers$ 966
Texas Farm Bureau$ 856
Texas Farm Bureau$ 856
USAA$ 698
USAA$ 698
Vermont Mutual$ 970
Vermont Mutual$ 970

Compare all 2015 Toyota Camry rates

Average Cost to Insure Per Year

$ 953

List Price

$ 22970

Trims Available

LE - SE - XLE - XSE - XLE V6 - XSE V6

2014 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1033
Acuity$ 1033
American Family$ 945
American Family$ 945
Country$ 1019
Country$ 1019
Erie$ 604
Erie$ 604
GEICO$ 509
GEICO$ 509
Nationwide$ 1000
Nationwide$ 1000
Progressive$ 750
Progressive$ 750
State Farm$ 683
State Farm$ 683
Tennessee Farmers$ 888
Tennessee Farmers$ 888
Texas Farm Bureau$ 836
Texas Farm Bureau$ 836
USAA$ 627
USAA$ 627
Vermont Mutual$ 925
Vermont Mutual$ 925

Compare all 2014 Toyota Camry rates

Average Cost to Insure Per Year

$ 873

List Price

$ 22425

Trims Available

L - LE - SE - SE Sport - XLE - SE V6 - XLE V6

2013 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1009
American Family$ 1009
Erie$ 617
Erie$ 617
GEICO$ 594
GEICO$ 594
Nationwide$ 1069
Nationwide$ 1069
Plymouth Rock Insurance$ 1040
Plymouth Rock Insurance$ 1040
Progressive$ 882
Progressive$ 882
Quincy Mutual$ 1051
Quincy Mutual$ 1051
State Farm$ 800
State Farm$ 800
Tennessee Farmers$ 980
Tennessee Farmers$ 980
Texas Farm Bureau$ 816
Texas Farm Bureau$ 816
USAA$ 699
USAA$ 699
Vermont Mutual$ 925
Vermont Mutual$ 925

Compare all 2013 Toyota Camry rates

Average Cost to Insure Per Year

$ 956

List Price

$ 22235

Trims Available

L - LE - SE - XLE - SE V6 - XLE V6

2012 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 967
Acuity$ 967
American Family$ 908
American Family$ 908
Erie$ 571
Erie$ 571
GEICO$ 516
GEICO$ 516
Nationwide$ 1004
Nationwide$ 1004
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 765
Progressive$ 765
State Farm$ 660
State Farm$ 660
Tennessee Farmers$ 887
Tennessee Farmers$ 887
Texas Farm Bureau$ 773
Texas Farm Bureau$ 773
USAA$ 598
USAA$ 598
Vermont Mutual$ 817
Vermont Mutual$ 817

Compare all 2012 Toyota Camry rates

Average Cost to Insure Per Year

$ 854

List Price

$ 22055

Trims Available

L - LE - SE - XLE - SE Sport Limited Edition - SE V6 - XLE V6

2011 Toyota Camry

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 846
American Family$ 846
Arbella$ 935
Arbella$ 935
Country$ 951
Country$ 951
Erie$ 553
Erie$ 553
GEICO$ 482
GEICO$ 482
Nationwide$ 893
Nationwide$ 893
Progressive$ 722
Progressive$ 722
State Farm$ 616
State Farm$ 616
Tennessee Farmers$ 844
Tennessee Farmers$ 844
Texas Farm Bureau$ 746
Texas Farm Bureau$ 746
USAA$ 586
USAA$ 586
Vermont Mutual$ 758
Vermont Mutual$ 758

Compare all 2011 Toyota Camry rates

Average Cost to Insure Per Year

$ 812

List Price

$ 20195

Trims Available

Base - LE - SE - LE V6 - SE V6 - XLE - XLE V6