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13+ years creating insurance and personal finance content
Co-founded MillennialHomeowner.com
Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Table of contents
The Toyota Camry has been the bestselling midsize sedan in the United States for 21 years.[1] The average monthly cost to insure a 2025 Toyota Camry is $271 for full coverage and $148 for liability-only coverage.
Although the Camry isn’t the cheapest midsize car on the market, it’s also not the most expensive.[2] Similar-sized cars that might suit your needs include the Tesla Model 3 and Honda Accord.
If you’re already an owner or looking to secure lower rates, here’s how to find the best coverage for the nation’s bestselling midsize sedan.
The 2025 Toyota Camry is the most expensive model year to insure.
USAA offers the cheapest auto insurance rates for Toyota Camry drivers.
The Camry’s insurance rates remain affordable because of the vehicle’s moderate cost and solid safety features.
Cost of Toyota Camry insurance by model year
Your insurance premiums depend on a variety of factors, such as the model year of your Camry, your age, gender, driving record, ZIP code, marital status, credit history, and even the safety features of your vehicle.
See how Toyota Camry insurance costs compare by model year in the table below.
Model Year | Average Quote: Liability Only | Average Quote: Full Coverage |
---|---|---|
2025 | $148 | $271 |
2024 | $143 | $261 |
2023 | $145 | $265 |
2022 | $135 | $247 |
2021 | $127 | $233 |
2020 | $127 | $232 |
2019 | $119 | $217 |
2018 | $117 | $214 |
2017 | $107 | $195 |
2016 | $105 | $193 |
The 2025 Toyota Camry has a starting MSRP of $29,795, with the Camry XSE having a higher MSRP of $35,995.[3]
In Kelley Blue Book (KBB)’s list of Best Mid-Size Cars of 2025, the 2025 Camry ranks at No. 1, tied with the 2025 Honda Accord.[4]
Below are the average liability-only and full-coverage car insurance quotes for the 2025 Camry.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $66 $138 GEICO $76 $164 State Farm $78 $165 Allstate $86 $183 American Family $99 $214 Nationwide $121 $254 Travelers $128 $268 Progressive $138 $213 Farmers $154 $326 Liberty Mutual $243 $348 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on the model options, the MSRP for the 2024 Toyota Camry ranges between $27,515 and $34,580. Here are the average auto insurance premiums for a 2024 Camry from multiple insurers.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $64 $133 GEICO $73 $158 State Farm $75 $159 Allstate $83 $177 American Family $95 $207 Nationwide $117 $245 Travelers $124 $258 Farmers $148 $314 Progressive $133 $205 Liberty Mutual $234 $336 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP of the 2023 Toyota Camry started at $27,415. The table below shows average car insurance quotes for the 2023 Camry.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $65 $135 GEICO $75 $160 State Farm $76 $162 Allstate $84 $179 American Family $97 $210 Nationwide $119 $249 Travelers $126 $262 Progressive $135 $208 Farmers $150 $319 Liberty Mutual $237 $341 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2022 Toyota Camry started at $26,840.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $60 $126 GEICO $69 $149 State Farm $71 $150 Allstate $78 $167 American Family $90 $195 Nationwide $110 $231 Travelers $117 $244 Progressive $126 $194 Farmers $140 $297 Liberty Mutual $221 $317 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2021 Toyota Camry ranged between $26,040 and $33,255.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $57 $119 GEICO $65 $141 State Farm $67 $142 Allstate $74 $158 American Family $85 $184 Nationwide $104 $218 Travelers $110 $230 Progressive $119 $183 Farmers $132 $280 Liberty Mutual $209 $300 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for a 2020 Toyota Camry was $25,420 for the L Sedan 4D version.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $57 $119 GEICO $65 $140 State Farm $67 $142 Allstate $74 $157 American Family $85 $184 Nationwide $104 $218 Travelers $110 $230 Progressive $119 $183 Farmers $132 $280 Liberty Mutual $208 $299 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Toyota Camry had a starting MSRP of $25,420.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $53 $111 GEICO $61 $131 State Farm $62 $132 Allstate $69 $147 American Family $79 $172 Nationwide $97 $203 Travelers $103 $215 Progressive $111 $171 Farmers $123 $261 Liberty Mutual $194 $279 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for a 2018 Toyota Camry started at $24,565.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $52 $109 GEICO $60 $130 State Farm $61 $131 Allstate $68 $145 American Family $78 $170 Nationwide $96 $201 Travelers $102 $212 Progressive $109 $169 Farmers $122 $258 Liberty Mutual $192 $276 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2017 Toyota Camry ranged between $24,314 and $28,469.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $48 $100 GEICO $55 $118 State Farm $56 $119 Allstate $62 $132 American Family $71 $155 Nationwide $88 $183 Travelers $93 $193 Progressive $100 $154 Farmers $111 $235 Liberty Mutual $175 $251 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP of the 2016 Toyota Camry started at $24,314.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $47 $98 GEICO $54 $116 State Farm $55 $117 Allstate $61 $131 American Family $70 $153 Nationwide $86 $181 Travelers $91 $191 Progressive $98 $152 Farmers $109 $232 Liberty Mutual $173 $248 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Toyota insurance by state
Many individual rating factors — such as your location and ZIP code — can influence your car insurance rates. In the chart below, you can see how much drivers pay for car insurance in different states across all Toyota models.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
---|---|
Alabama | $137 |
Arizona | $168 |
Arkansas | $247 |
California | $232 |
Colorado | $212 |
Connecticut | $323 |
Delaware | $237 |
Florida | $222 |
Georgia | $240 |
Idaho | $121 |
Illinois | $164 |
Indiana | $139 |
Iowa | $117 |
Kansas | $159 |
Kentucky | $209 |
Louisiana | $214 |
Maine | $145 |
Maryland | $327 |
Massachusetts | $172 |
Michigan | $267 |
Minnesota | $188 |
Mississippi | $200 |
Missouri | $186 |
Montana | $160 |
Nebraska | $169 |
Nevada | $271 |
New Hampshire | $109 |
New Jersey | $172 |
New Mexico | $153 |
New York | $454 |
North Carolina | $90 |
North Dakota | $132 |
Ohio | $125 |
Oklahoma | $172 |
Oregon | $155 |
Pennsylvania | $167 |
Rhode Island | $142 |
South Carolina | $260 |
South Dakota | $125 |
Tennessee | $144 |
Texas | $228 |
Utah | $177 |
Vermont | $146 |
Virginia | $185 |
Washington | $154 |
District of Columbia | $332 |
West Virginia | $151 |
Wisconsin | $128 |
Wyoming | $115 |
Source: Alaska and Hawaii omitted due to insufficient data.
How to ensure you have enough coverage on your Toyota Camry
Car insurance rates vary depending on the level of car insurance coverage you get. The best rates also depend on the type of car you have.
For example, if you have an older model Camry, your premiums are typically more affordable because the overall value of your older Camry has depreciated over time.
Every state in the U.S. except New Hampshire requires you to carry a minimum amount of liability coverage for your vehicle. But it’s a good idea to purchase more coverage than the minimum to protect yourself against unforeseen events.
Here are some optional coverages you can add to your policy:[5]
Bodily injury liability
Bodily injury liability protects you financially if you cause harm to someone else in an accident that was your fault.
Personal injury protection (PIP)
Healthcare expenses following an accident can be incredibly expensive. PIP coverage can pay for several things, including the lost wages and medical bills of the policyholder and their passengers.
Property damage liability
If you get into an accident, it’s possible you’ll damage someone else’s property, whether you hit someone’s fence or a city light pole. Property damage liability helps cover the costs to repair that damage.
Collision coverage
Collision insurance helps you financially if your car hits another car or object.
Comprehensive coverage
Comprehensive insurance pays to repair unexpected damage due to an event other than a collision, like a flood, a tree falling on your car, or hitting an animal.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you get into an accident with a driver who doesn’t have car insurance or lacks adequate insurance to cover your losses.
Toyota Camry car insurance FAQs
If you’re shopping for Toyota Camry insurance, this additional information may help as you research your coverage options.
USAA continually offers the most affordable rates for coverage on a Toyota Camry, with average monthly quotes of $66 for liability-only insurance and $138 for full coverage for the 2025 Camry. But USAA coverage is available only to current and former members of the military and their families.
If you can’t get USAA coverage, State Farm offers the second-cheapest rates for Toyota Camry owners.
No. Toyota Camrys are generally a very affordable vehicle to insure. This is due to the vehicle’s moderate price point and suite of safety features.
The average monthly costs for full-coverage and liability-only insurance for a 2025 Toyota Camry are $271 and $148, respectively. But the rates you pay will vary based on the model year of your Camry, as well as your age, driving history, marital status, gender, and more.
Older vehicles are cheaper to insure because they carry less value. This means a smaller payout from your insurance company if the vehicle is totaled in an accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Toyota. "2024 Toyota Camry: Style and Performance in America’s Best-Selling Midsize Sedan."
- Kelly Blue Book. "Cheapest Midsize Cars of 2023 & 2024."
- Kelley Blue Book. "2025 Toyota Camry."
- Kelley Blue Book. "Best Mid-Size Cars of 2025."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
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Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.