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Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Toyota Camry Insurance Cost (2024)

Toyota Camry insurance costs are among the lowest in the midsize sedan segment.

What Toyota Camry insurance costs

The average monthly premium for a 2024 Toyota Camry runs around $142 for a typical driver profile (40-year-old, clean record, good credit, full coverage). Real-world rates range from $115 to $185 depending on your state, driving record, credit, and chosen coverage level.

The Camry consistently lands in the cheapest-to-insure tier for sedans, thanks to top IIHS safety scores, a deep parts supply chain, and statistically lower-risk driver demographics.

What drives the rate

Insurance carriers price the Toyota Camry based on four primary factors specific to the vehicle:

  1. Repair cost — How expensive is it to fix this vehicle when something goes wrong? Parts availability, labor complexity, and OEM-only requirements all matter.
  2. Theft rate — How often is this vehicle stolen? Carriers pull data from NHTSA’s Vehicle Theft Index.
  3. Safety scores — How well does the vehicle protect occupants in a crash? IIHS and NHTSA ratings directly influence premium.
  4. Claim history — What does the actual data show about how often and how expensively claims happen on this vehicle?

How to lower your rate

Beyond shopping carriers (which can save 20-40% on its own), the biggest Toyota Camry-specific savings come from:

  • Multi-policy bundling — Combining auto and home/renters often saves 10-25%.
  • Telematics programs — If you’re a safe driver, programs like Progressive Snapshot or State Farm Drive Safe & Save can save 15-30%.
  • Higher deductible — Raising your collision/comprehensive deductible from $500 to $1,000 typically saves 10-15% on premium (but exposes you to more out-of-pocket cost at claim time).
  • Anti-theft devices — Factory or aftermarket anti-theft systems can earn 5-15% discounts, especially on theft-prone vehicles.

Best carriers for the Toyota Camry

The carriers that consistently quote competitively on the Toyota Camry include the largest national insurers (GEICO, Progressive, State Farm) plus regional carriers depending on your state. Get quotes from at least 3-5 carriers to find the best rate for your specific profile.