Toyota Camry Car Insurance Quotes (2025)

Toyota Camry drivers pay an average of $155 per month for car insurance.

Catherine Collins
Catherine Collins

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
Elena StratoberdhaEditorial Assistant

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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Cheapest recent rates

Drivers have found policies from National General Custom360, HiRoad, Novo, and more, for rates as low as $38/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • 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
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
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
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.

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  • 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    USAA$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
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
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]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    Bodily injury liability protects you financially if you cause harm to someone else in an accident that was your fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance helps you financially if your car hits another car or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Toyota. "2024 Toyota Camry: Style and Performance in America’s Best-Selling Midsize Sedan."
  2. Kelly Blue Book. "Cheapest Midsize Cars of 2023 & 2024."
  3. Kelley Blue Book. "2025 Toyota Camry."
  4. Kelley Blue Book. "Best Mid-Size Cars of 2025."
  5. Insurance Information Institute. "What is covered by a basic auto insurance policy?."
Catherine Collins
Catherine Collins

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
Edited byElena StratoberdhaEditorial Assistant
Elena Stratoberdha
Elena StratoberdhaEditorial Assistant

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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