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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Toyota Camry has a long record of being dependable, high-quality, and affordable. Unsurprisingly, it’s been among the bestselling sedans in the U.S. for 22 years.[1] But just because it’s a popular choice doesn’t mean it’s the cheapest car to insure. Our data shows that Toyota Camry drivers pay an average of $161 per month for insurance — slightly above the U.S. national average of $152.
Still, many insurance companies offer affordable rates for this midsize sedan. Whether you’re shopping for a new Toyota Camry or already own one, here’s how to get the coverage you need at the best price.
Toyota Camry drivers pay an average of $113 monthly for liability-only insurance and $209 for full coverage.
Mile Auto has the cheapest rates for the 2022 and newer Toyota Camry models.
Toyota Camry insurance is the cheapest in North Carolina, averaging $79 per month. New York is the most expensive, at $409.
Average rates for a Toyota Camry depend on multiple factors, including the type of auto policy you choose. A liability-only policy is enough to satisfy your state’s minimum insurance requirements. Full-coverage insurance typically includes liability, collision, and comprehensive.
The table below shows the average monthly rates for the Toyota Camry and how they compare to the U.S. national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Camry | $113 | $209 | $161 |
| All vehicles | $107 | $197 | $152 |
Toyota Camry owners pay an average of $113 per month for liability-only car insurance and $209 for full coverage — slightly more than the average for all cars.
Next, let’s look at how other factors — like your age and driving record — affect your insurance rates.
Check rates for your Toyota Camry from top insurance companies.
Even with average rates of $161 per month, you can still find ways to save on Camry car insurance.
The easiest way to find the best deal is to compare quotes from several companies. To get you started, the insurers in the table below have the cheapest state-minimum premiums for the Toyota Camry, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $67 |
| Certainly | $75 |
| Mile Auto | $75 |
| Root | $93 |
| Just Insure | $97 |
Novo has the cheapest Toyota Camry auto insurance, averaging $67 monthly.
Despite having the cheapest average premiums, these insurers might not be the most affordable for every driver. Shopping around for personalized quotes is the best way to find the lowest price for your Toyota Camry insurance.
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Insurance needs vary, so there’s no one-size-fits-all insurance company. We analyzed insurance companies to find ones that stand out based on customer ratings, coverage types, discounts, and average Camry rates.
Here are three of the best car insurance companies for Toyota Camry drivers:
Compare.com Rating: 3.43 out of 5
Affordable Toyota Camry rates
Highly rated mobile app
Available in most states
Tracks your data
Few coverage options available
More complaints than average[2]
Root is a relatively new insurer that’s been around since 2015. Safe drivers may be a good fit for a usage-based insurance company like Root because your driving habits determine your rates. Root offers liability and full-coverage policies and has some of the cheapest average rates for the Toyota Camry.
It also offers renters insurance in a few states, which you can bundle with your car insurance to save 5%.
Compare.com Rating: 2.98 out of 5
Competitive Toyota Camry rates
Tracking device not required
Low-mileage drivers save up to 40%
Only available in a few states
Rates can fluctuate monthly
Discounts not available
Pay-per-mile insurance company Mile Auto advertises up to 40% savings for low-mileage drivers. It may be a good fit if you drive less than 10,000 miles annually. Mile Auto is also one of the cheapest options for 2022 and newer Toyota Camrys.
Mile Auto doesn’t require a mobile app or tracking device to determine your monthly premium. Instead, you’ll submit a picture of your odometer reading each month. But Mile Auto is available only in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
Compare.com Rating: Not rated
Cheap Toyota Camry rates
Good driver discount available immediately
Multiple discounts available
Charges a $50 cancellation fee
Available in only a few states
No local agents
Safe drivers who are OK with an insurance company tracking their data and driving habits may want to consider Novo, one of the cheapest insurance companies for the Toyota Camry. Novo’s mobile app allows you to handle policy changes, pay bills, file claims, and get customer support, so it may be a good fit for drivers who don’t need a local agent.
Novo uses dynamic pricing, meaning your rates can fluctuate month-to-month based on your driving habits. Novo starts all new customers with an automatic enrollment discount, with savings of up to 15% just for trying out the usage-based insurance company.
Compare personalized quotes from America’s top companies.
Your Camry’s age can also affect how much you pay for auto insurance. Car insurance costs generally increase with a vehicle’s value, meaning newer cars usually cost more to insure than older models. But regardless of your car’s age, you can still find insurance companies with low rates.
Below are the cheapest average Toyota Camry insurance premiums by model year and insurer, according to Compare.com data.
Camry Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $203 | Mile Auto | $93 |
| 2024 | $194 | Mile Auto | $92 |
| 2023 | $198 | Mile Auto | $99 |
| 2022 | $187 | Mile Auto | $90 |
| 2021 | $189 | Certainly | $87 |
| 2020 | $185 | Mile Auto | $93 |
| 2019 | $172 | Mile Auto | $71 |
| 2018 | $169 | Certainly | $84 |
| 2017 | $154 | Certainly | $71 |
| 2016 | $153 | Certainly | $66 |
Insurance companies also use your location to determine your rates, and prices can vary from one state to the next.
Where you live can significantly affect the cost of your Camry car insurance. For example, insurance rates vary by ZIP code because of differences in laws, coverage, crime, weather, and vehicle repair expenses.[3]
The table below breaks down the average monthly insurance rate for the Toyota Camry by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $106 |
| Arizona | $142 |
| Arkansas | $203 |
| California | $205 |
| Colorado | $166 |
| Connecticut | $323 |
| Delaware | $197 |
| Florida | $208 |
| Georgia | $211 |
| Idaho | $107 |
| Illinois | $132 |
| Indiana | $114 |
| Iowa | $96 |
| Kansas | $130 |
| Kentucky | $208 |
| Louisiana | $192 |
| Maine | $126 |
| Maryland | $292 |
| Massachusetts | $160 |
| Michigan | $249 |
| Minnesota | $160 |
| Mississippi | $160 |
| Missouri | $156 |
| Montana | $129 |
| Nebraska | $149 |
| Nevada | $253 |
| New Hampshire | $97 |
| New Jersey | $168 |
| New Mexico | $123 |
| New York | $409 |
| North Carolina | $79 |
| North Dakota | $123 |
| Ohio | $108 |
| Oklahoma | $138 |
| Oregon | $137 |
| Pennsylvania | $139 |
| Rhode Island | $122 |
| South Carolina | $233 |
| South Dakota | $103 |
| Tennessee | $120 |
| Texas | $189 |
| Utah | $155 |
| Vermont | $116 |
| Virginia | $154 |
| Washington | $119 |
| District of Columbia | $242 |
| West Virginia | $123 |
| Wisconsin | $108 |
| Wyoming | $103 |
Now let’s take a look at how your age affects the cost of your auto insurance.
Your age is a major factor in how much your car insurance costs.
Teens and young drivers lack experience and make riskier driving decisions, increasing their chances of getting a ticket or getting into an accident. But as you age and gain experience, rates typically decrease. But reaction time typically declines in your 70s, raising the chances of a crash and increasing your insurance rates.[4]
The table below outlines average monthly premiums by age and which companies offer the cheapest average Toyota Camry rates for each age group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $303 | Novo | $126 |
| 20s | $208 | Novo | $86 |
| 30s | $161 | Novo | $67 |
| 40s | $147 | Novo | $61 |
| 50s | $132 | Novo | $55 |
| 60s | $124 | Novo | $52 |
| 70s | $134 | Novo | $56 |
Teens pay the most for car insurance for the Toyota Camry, averaging $303 per month. On the other end of the spectrum, drivers in their 60s enjoy the cheapest rates, at $124 monthly.
On average, rates increase to $134 for seniors in their 70s. Novo is the cheapest insurance company for all age groups, according to Compare.com data.
Your insurance rates can also vary significantly depending on your driving record. You’ll usually get the lowest rates if you have a clean driving record. But you’ll likely pay higher premiums if you have a speeding ticket, DUI, or an at-fault accident in your driving history.
Check out the table below for the average monthly Camry rates for different driving profiles and the cheapest insurers for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $161 | Novo | $67 |
| Speeding ticket | $224 | Novo | $93 |
| At-fault accident | $233 | Novo | $97 |
| DUI | $265 | Novo | $110 |
You’ll see a significant increase in your insurance rates if you cause an accident or get a DUI. Novo has the cheapest rates for high-risk Toyota Camry drivers.
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Toyota Camry insurance prices change depending on the model because different trim levels have unique features and repair costs. For example, the Camry SE may be cheaper to insure than the XSE, which has costly extras like a leather interior and a heated steering wheel.
Models with advanced safety features — like Front Cross Traffic Alert, Traffic Jam Assist, and Rear Cross Traffic Braking — can reduce accident risk and lower your insurance rates.
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Follow these tips to get cheaper Toyota Camry car insurance:
Check rates before buying. If you want a Toyota Camry, check insurance rates beforehand to get the cheapest rate for your new vehicle.
Take advantage of discounts. Discounts are an easy way to lower your monthly car insurance premium. For example, you can get a multi-car discount for insuring two vehicles with the same company. And your Camry may qualify for a safety features discount.
Bundle home and auto. Some companies offer a multi-policy discount when you insure both your house and car with them.
Improve your credit. If your state allows insurers to use your credit history to determine rates, improving your credit could help you get cheaper insurance.
Compare quotes often. Comparing insurance quotes can ensure you don’t pay more than you need to for coverage. You can easily compare quotes by using a car insurance comparison site.
Get real-time quotes and save money on your next policy.
We answered common questions Toyota Camry drivers ask about car insurance. Check them out below.
Yes, a Toyota Camry can be expensive to insure. On average, Camry insurance costs $161 per month, which is more expensive than the U.S. national average of $152 per month.
It depends. Toyota insurance costs vary by year, model, and factors like your age, driving record, coverage choices, and insurance company. The average Toyota costs an $145 per month to insure. That’s slightly less than the national average for all vehicles, according to Compare.com data.
The Subaru Crosstrek is the least expensive car to insure, according to Compare.com data. Crosstrek insurance costs an average of $143 per month. The cheapest Toyota is the 4Runner, averaging $122 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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