Toyota Camry Car Insurance Quotes (2025)

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.

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

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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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