Online Toyota Camry Insurance Rates [Rates + Cheap Coverage Guide]

The cost of Toyota Camry auto insurance rates are $1,432 a year, or around $119 a month on average. On average, comprehensive coverage costs $349, collision coverage costs $509, and liability coverage costs $404 for Toyota Camry insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Jun 29, 2020

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Key Takeaways:

  • Full coverage costs around $1,432 a year or $119 each month
  • A liability-only policy costs around $574 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,234 a year or $436 each month
  • Good drivers can save as much as $590 a year by earning policy discounts
  • Toyota Camry insurance costs around $87 less per year than the average vehicle

As one of the most popular models on the road, Toyota Camry car insurance rates cost drivers an average of $1,432 a year, or $119 each month. Some of the factors that influence individual Toyota Camry insurance rates include age, location, and driving record. Good drivers see savings of up to $590 on their Toyota Camry rates. Learn all about how to get the best policy possible with this guide.

The Toyota Camry is perhaps the most beloved of all vehicles sold in the United States, whether foreign or domestic. Year in and out, the Camry ranks as either the first or second best-selling vehicle in America, along with its cousin, the Toyota Corolla. But how much does Toyota Camry car insurance cost?

Potential car buyers may find themselves curious about how much money they’ll have to shell out for car insurance costs when they consider the purchase of a reliable Toyota Camry. While it’s not so simple as telling them that one price applies to all people, there are several relatively comparable factors that hold true from one driver to the next.

You want cheap car insurance, but you also want good coverage. We’ll look at how various aspects of the Camry affect car insurance rates, as well as the other costs of owning a Camry.

You can start comparing quotes for Toyota Camry car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Toyota Camry Insurance Cost

The average Toyota Camry car insurance rates are $1,432 a year or $119 a month.

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Are Toyota Camrys Expensive to Insure?

The chart below details how Toyota Camry insurance rates compare to other sedans like the Chevrolet Impala, Kia Optima, and Dodge Charger.

VehicleComprehensiveCollisionLiabilityTotal
Toyota Camry$308$594$372$1,432
Chevrolet Impala$280$532$372$1,342
Kia Optima$322$532$420$1,454
Dodge Charger$376$626$466$1,668
Ford Focus$244$536$398$1,336
Chrysler 300$332$626$398$1,514
Honda Accord$280$500$372$1,310

However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Camry Insurance?

The Toyota Camry trim and model you choose can impact the total price you will pay for Toyota Camry insurance coverage.

Age of the Vehicle

Older Toyota Camry models generally cost less to insure. For example, car insurance for a 2020 Toyota Camry costs $1,432, while 2010 Toyota Camry insurance costs are $1,166, a difference of $266.

Model YearComprehensiveCollisionLiabilityTotal
2020 Toyota Camry$308$594$372$1,432
2019 Toyota Camry$294$570$390$1,412
2018 Toyota Camry$282$566$398$1,404
2017 Toyota Camry$272$552$416$1,398
2016 Toyota Camry$262$530$430$1,380
2015 Toyota Camry$248$512$442$1,360
2014 Toyota Camry$238$474$452$1,322
2013 Toyota Camry$230$446$456$1,290
2012 Toyota Camry$220$400$460$1,238
2011 Toyota Camry$206$368$460$1,192
2010 Toyota Camry$198$346$464$1,166

Driver Age

Driver age can have a significant impact on the cost of Toyota Camry auto insurance. For example, 20-year-old drivers pay as much as $1,814 more each year for their Toyota Camry auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Camry insurance rates. For example, drivers in Los Angeles may pay $788 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Camry auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Camry auto insurance rates with violations on their driving record.

Toyota Camry Safety Ratings

Your Toyota Camry car insurance rates are tied to the safety ratings of the Toyota Camry. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Toyota Camry Crash Test Ratings

Good Toyota Camry crash test ratings can lower your Toyota Camry auto insurance rates. See Toyota Camry crash test results below:

Vehicle TestedOverallFrontalSideRollover
2019 Toyota Camry Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2019 Toyota Camry 4 DR FWD5 stars5 stars5 stars5 stars
2018 Toyota Camry Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2018 Toyota Camry 4 DR FWD5 stars5 stars5 stars5 stars
2017 Toyota Camry HV 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Camry 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Camry HV 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Camry 4 DR FWD5 stars4 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Toyota Camry Safety Features

Having a variety of safety features on your Toyota Camry can help lower your Toyota Camry insurance costs. The Toyota Camry’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Toyota Camry Insurance Loss Probability

The lower percentage means lower Toyota Camry auto insurance rates; higher percentages mean higher Toyota Camry car insurance rates. The Toyota Camry’s insurance loss probability varies for each form of coverage.

Insurance Coverage CategoryLoss Rate
Collision10%
Property Damage-6%
Comprehensive2%
Personal Injury48%
Medical Payment45%
Bodily Injury7%
Source: Insurance Institute for Highway Safety

Toyota Camry Finance and Insurance Cost

When financing a Toyota Camry, most lenders will require your carry higher Toyota Camry coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Camry car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Toyota Camry Insurance

You have more options at your disposal to save money on your Toyota Camry car insurance costs. For example, try these five tips:

  • Ask About Usage-Based Insurance for Your Toyota Camry
  • Ask for a Higher Deductible for Your Toyota Camry Insurance Policy
  • Consider Renting a Car Instead of Buying a Second Toyota Camry
  • Drive Your Toyota Camry Safely
  • Ask About Discounts for People with Disabilities

Top Toyota Camry Insurance Companies

Who is the top car insurance company for Toyota Camry insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Camry auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Camry offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Toyota Camry Insurance Quotes Online

You can start comparing quotes for Toyota Camry auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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What is the MSRP of the Toyota Camry?

When we talk about a vehicle’s MSRP, we are talking about the manufacturer’s suggested retail price, or what the car company thinks the dealership should be charging for the car. This impacts your insurance prices because a higher MSRP means a higher replacement cost for a new vehicle in the event of an accident.

According to Kelley Blue Book the 2020 Toyota Camry L has an MSRP of $25,380. This is the lowest-end version of the Toyota Camry, so don’t be surprised if you find that a Camry XLE or XSE may cost upwards of $30,000 or more.

We can see that the Camry does an excellent job of maintaining its value, as the 2019 Toyota Camry L is $25,050, which is only about $300 cheaper than the current model.

If you’re buying a new Camry, you should expect to purchase comprehensive and collision insurance as well. Not only is it a good idea with a new vehicle, but if you have a car loan you’ll likely be required by your lender to maintain these coverages.

If you don’t purchase insurance or you let your insurance lapse on a vehicle with a loan, the financing company can purchase insurance for the vehicle and charge you for it. This is called forced-placed insurance.

Annual Estimated Full Coverage Car Insurance Rate by Make and Model
Make and ModelRates
Honda CR-V$1,128
Ford Escape$1,158
Toyota Prius$1,274
GMC Acadia$1,280
Dodge Ram$1,292
Honda Accord$1,298
Ford F-150$1,306
Honda Pilot$1,310
Toyota RAV4$1,310
Ford Focus$1,344
Toyota Corolla$1,384
Nissan Rogue$1,400
Hyundai Sonata$1,412
Toyota Camry$1,412
Nissan Altima$1,424
GMC Sierra$1,438
Kia Optima$1,438
Chevrolet Silverado$1,468
Ford Fusion$1,468
Honda Civic$1,518
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The table above provides an annual estimated premium for full coverage for a variety of vehicles. This includes $500 deductibles, a 40-year-old driver, and a clean driving record.

As you can see, the more expensive a vehicle, the more it costs to replace if the vehicle is considered a total loss. This means your insurance company will charge higher comprehensive and collision rates on your policy.

How does the MSRP of the Toyota Camry affect collision car insurance rates?

The power and speed your vehicle has will impact your rates. A huge, powerful pickup truck or a sleek, speedy sports car will both be more expensive to insure for this reason.

Higher performance cars typically have a bigger price tag, and accidents are usually bigger (with more damage) than lower-performance vehicles. If you choose a vehicle with higher-than-average horsepower or acceleration, expect to pay more to insure it.

Luckily, the Toyota Camry is a much more moderate vehicle. Because of this, the Camry is one of the more affordable to insure.

Toyota Camry Average Annual Car Insurance Rates by Model Year
Model YearComprehensive Car Insurance RatesCollision Car Insurance RatesLiability Car Insurance RatesAverage Annual Car Insurance Rates
2018$282$566$398$1,404
2017$272$552$416$1,398
2016$262$530$430$1,380
2015$248$512$442$1,360
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In the table above, rates are averaged for all Toyota Camry models and trim levels, so the numbers will be high for the low-end models and vice versa. These rates are based on a 40-year-old male driver with full coverage, $500 deductibles, and a clean driving record.

Collision insurance protects you by paying for damages to your vehicle if you’re at fault in an accident, whether you hit another vehicle or a stationary object such as a wall or mailbox. If you have a loan on your car you may be required by the lender to have active collision insurance on your policy.

How does the MSRP of a Toyota Camry affect comprehensive car insurance rates?

More expensive vehicles cost more to replace if the car is totaled. Many comprehensive issues could cause a total loss, including fire, theft, and flooding, just to name a few. Claims of this nature could be either comprehensive (fire, theft, flood, or hail) or collision (impact or rollover).

The more a vehicle costs to buy, the more it costs to replace, which means higher rates for both collision and comprehensive coverage.

Toyota Camry Aveage Comprehensive Coverage Car Insurance Rates
Model YearComprehensive Car Insurance RatesCollision Car Insurance Rates
2018$282$566
2017$272$552
2016$262$530
2015$248$512
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In the table above, rates are averaged for all Toyota Camry models and trim levels, so the numbers will be high for the low-end models and vice versa. These rates are based on a 40-year-old male driver with full coverage, $500 deductibles, and a clean driving record.

Comprehensive insurance covers damage to your car that isn’t caused during an accident. Some examples of what might be covered under a comprehensive policy are hail damage, theft, and vandalism.

If you’re financing your vehicle, your lender may require you to purchase comprehensive coverage.

What are the theft rates of the Toyota Camry?

The more popular a car is, the more likely it is to be stolen. This is partly because there are more of them on the road, but also because there is a bigger market for stolen parts for the most popular vehicles.

Because the Toyota Camry has been among the top-selling vehicles for many years, it’s among the most commonly stolen vehicles in the country.

The Camry was the fifth-most stolen vehicle in the country in 2018, with 16,906 reported thefts.

How do the theft rates of the Toyota Camry affect comprehensive car insurance rates?

Theft rates in your ZIP code play a part in your insurance rates. The more thefts in a ZIP code, the more expensive comprehensive insurance will be, which is part of the reason why one ZIP code can be much more expensive than another ZIP code in the same city.

According to the National Criminal Justice Reference Service, 95 percent of census block groups will have at least one car theft during the year, but the presence of manufacturing or industrial land use and concentrated rental housing units is enough to significantly increase the risk of motor vehicle theft.

The odds are good that the number of Toyota Camry thefts in your neighborhood will impact your insurance rates based on your ZIP code.

If you’re planning to move in the future, checking your ZIP code with your insurance company to see if it changes your insurance rates is a smart move. You can also ask about potential discounts for anti-theft devices and parking your car in a locked or secure garage to help reduce your insurance rates.

How much will it cost to repair my Toyota Camry?

One of the reasons the Camry is such a big seller each year is that Toyota has a reputation for making excellent cars.

They don’t need repairs the way other cars often do, and often their repairs are much more affordable than other cars. RepairPal lists average annual cost for repairs and maintenance of $388, compared to an average of $526 for midsize cars and $652 for all vehicle models.

The table below shows the average cost of maintenance for a Toyota Camry over five years:

Average Toyota Camry Maintenance Costs by Age
Age of VehicleAverage Maintenance Costs
Year 1$80.00
Year 2$159.00
Year 3$583.00
Year 4$341.00
Year 5$1,493.00
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While those numbers are helpful, you may also need to know the average cost of repairing a Camry if the car is damaged.

Average Toyota Camry Repair Costs by Body Part
Repair TypeFront BumperRear BumperHoodRoofLeft Front DoorLeft Rear DoorFront Left FenderLeft Quarter Panel
Body Labor$115.20$115.20$72.00$72.00$118.80$108.00$72.00$72.00
Paint Labor$144.00$144.00$151.20$180.00$122.40$122.40$129.60$136.80
Paint Supplies$104.00$104.00$109.20$130.00$88.40$88.40$93.60$98.80
Color Tint$18.00$18.00$18.00$18.00$18.00$18.00$18.00$18.00
Haz Waste Disposal$5.00$5.00$5.00$5.00$5.00$5.00$5.00$5.00
Color Sand and Buff$18.00$18.00$18.00$18.00$18.00$18.00$18.00$18.00
Cover Car-$10.00$10.00$10.00$10.00$10.00$10.00$10.00
Total$404.20$414.20$383.40$433.00$380.60$369.80$346.20$358.60
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In the table above we’ve broken down the itemized cost of each type of repair, showing what portion of your overall repair cost goes to parts, labor, paint, waste disposal, etc.

How does the cost of repairs affect collision and comprehensive car insurance rates?

As we’ve explained previously, collision insurance protects you by paying for damages to your vehicle if you’re at fault in an accident. Comprehensive, on the other hand, covers things that are nobody’s fault, such as weather damage and theft.

The more likely you are to file a claim for your Toyota Camry, the higher your insurance rates are likely to go.

A clean driving record and a ZIP code with few reported car thefts will go a long way in reducing the cost of your car insurance.

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How does the frequency of claims filed on the Toyota Camry affect car insurance rates?

Insurance rates are typically determined by statistics and other data, so insurance companies pay close attention to the number of claims filed based on vehicle type each year. The more claims filed for a specific type of vehicle, the higher the insurance rates will be.

The table below shows claim frequency by vehicle type:

Car Insurance Claim Frequency by Vehicle Class
Vehicle Type 2016-2018 Model YearsClaim frequencyClaim severityOverall loss
Passenger cars and minivans8.4$5,949$501
Pickups6.26,100380
SUVs6.56,045393
All passenger vehicles7.3$6,005$438
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Keep in mind that this information is only ever available for used vehicles, so you won’t be able to look up these stats for newly released vehicles.

Looking at the numbers above, it’s clear that having minimum liability coverage is an absolute necessity. Not only is it required by law in almost every state, but it’s also necessary to protect yourself financially in the event of an accident.

If you can afford it, raising your liability levels from state-required minimums, which could be as low as $10,000 in personal injury protection and $10,000 in property damage coverage, to the highest amount of coverage you can reasonably afford will protect your assets and provide peace of mind while driving.

What is the size and class of a Toyota Camry?

The 2016-2018 Toyota Camry is considered a midsize, four-door car. The early models from the 1980s and 1990s were considered compact cars, but the Camry has grown in size over the years, moving into a bigger category.

In the table below, smaller numbers indicate better safety ratings.

Midsize Car Insurance Collision Losses
Midsize Car TypeCollision Losses
Chevrolet Malibu15%
Chevrolet Malibu hybrid20%
Ford Fusion5%
Ford Fusion 4WD5%
Ford Fusion hybrid18%
Ford Fusion plug-in hybrid16%
Honda Accord4%
Honda Accord hybrid-3%
Hyundai Sonata23%
Hyundai Sonata plug-in hybrid27%
Kia Optima15%
Mazda 6-5%
Subaru Legacy 4WD-24%
Subaru Legacy 4WD with EyeSight-30%
Toyota Camry14%
Toyota Mirai fuel cell19%
Volkswagen Jetta13%
Volkswagen Passat-9%
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Typically, a larger vehicle provides better protection during a crash than a smaller vehicle. This is partly because the distance from the front of the vehicle to the driver in bigger cars and SUVs offers more protection in front-end collisions. Heavier vehicles also continue moving forward in a crash, subjecting the driver and passengers to less force than people traveling in a smaller car.

Improvements in design and technology have made almost every vehicle safer, but larger vehicles still have an advantage over smaller vehicles, even when those improvements are taken into account.

Vehicle Curb Weight Based on Shadow Size
Curb weightShadow - 70-80 sq ftShadow - 81-90 sq ftShadow - 91-100 sq ftShadow - 101-110 sq ftShadow - > 110 sq ft
2,001-2,500 lbsMiniSmallSmallSmallMidsize
2,501-3,000 lbsSmallSmallMidsizeMidsizeMidsize
3,001-3,500 lbsSmallMidsizeMidsizeLargeLarge
3,501-4,000 lbsSmallMidsizeLargeLargeVery large
> 4,000 lbsMidsizeMidsizeLargeVery largeVery large
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As you can see from the chart above, both the weight and overall size of a vehicle are considered when determining whether it’s small, midsize, large, or very large.

A vehicle’s shadow is its overall length times its width, measured in square feet. The wider frame is the biggest factor in re-categorizing the Camry as a midsize car in the 1990s.

How does the size of the Toyota Camry affect bodily injury liability car insurance rates?

Bodily injury liability insurance covers any injuries you may cause to another person if you’re at fault for an accident. The coverage is meant to pay for medical expenses, legal fees, and necessary compensation for lost wages and income, so even a small accident could end up with tens of thousands of dollars in bodily injury liability costs.

The Toyota Camry is actually rated better than average when it comes to bodily injury insurance losses, making it a safer car to drive and a cheaper car to insure than some of the other cars in the same class.

In the table below, smaller numbers indicate better safety ratings.

Midsize Car Insurance Bodily Injury Losses
Midsize Car TypeBodily Injury Losses
Chevrolet Malibu28%
Ford Fusion25%
Ford Fusion 4WD-4%
Ford Fusion hybrid31%
Ford Fusion plug-in hybrid14%
Honda Accord-32%
Mazda 6-4%
Nissan Maxima4%
Subaru Legacy 4WD-12%
Subaru Legacy 4WD with EyeSight-49%
Toyota Camry-28%
Volkswagen Passat-7%
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Using the Geico quote app, we ran a sample quote through their system based on a 2016 Toyota Camry. We ran this quote for a random 35-year-old woman with a clean driving record living in Dallas, which means your quoted rate might be different, even if you currently drive a Toyota Camry.

For state minimum levels of liability coverage (30/60/25) along with comprehensive and collision with a $1,000 deductible, our generic person was quoted $1,145.20 for a six-month policy. The bodily injury liability coverage was $252.10 of that total. If she increases her liability coverage to the maximum available levels (100/300/100) she would be quoted $1,291.54, of which $356.01 goes toward the bodily injury liability total.

The cost difference between the two levels of liability coverage is relatively small, which means that people who can afford to pay the extra cost each year can have significantly more protection if they need the extra coverage in an at-fault accident.

How does the size of the Toyota Camry affect property damage liability car insurance rates?

Property damage liability insurance covers any damages caused to someone else’s property in an at-fault accident. This means that damages to the other driver’s car will be covered, but it isn’t limited to vehicles.

If something happens and you end up driving through someone’s mailbox or driving into a wall, property damage liability is the coverage that will pay for those damages.

In our Geico quote above, our driver was quoted $1,145.20 for a six-month policy, with $314.60 going toward the cost of her property damage liability coverage at the state minimum level. If she increases her property damage coverage to the maximum of $100,000, her property damage liability premiums go up to $346.90, which means that she can quadruple her coverage for less than $100 per year.

What are the safety features of the Toyota Camry?

The Toyota Camry typically comes outfitted with the safety equipment listed below:

  • Anti-lock brake system (ABS) with electronic brake-force distribution (EBD) and brake assist
  • Driver and front passenger advanced airbag system
  • Driver and front passenger front seat-mounted side airbags and front and rear side curtain airbags
  • Driver’s knee airbag
  • Three-point seat belts that cover all possible seating positions, including driver-side; emergency locking retractor (ELR) and automatic/emergency locking retractors (ALR/ELR) on all passenger belts

All of the airbag systems are supplemental restraint systems. All airbags are created to inflate only under specific conditions and in particular kinds of serious collisions:

  • Frontal and knee airbags generally inflate in frontal collisions
  • Side and side curtain airbags in side collisions
  • Roll-sensing curtain airbags at a severe tilt degree, roll or lateral G-force

Insurance companies prefer to insure vehicles that include anti-lock braking systems and more than one airbag system when they are calculating car insurance costs. They feature insurance rate discounts for these types of cars.

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What are the safety ratings of the Toyota Camry?

IIHS rates a vehicle’s safety on two factors. The first is crashworthiness, or how well a car protects drivers and passengers in a crash, and crash avoidance and mitigation, which is a technology that helps prevent a crash or reduce the damage that comes from a crash.

The 2018 Toyota Camry is very highly rated in all categories, including physical structure, driver and passenger injury measures, and driver restraints. The only areas where the Camry rates Acceptable rather than Good are in passenger restraints, headlights, and trim level.

To get a better idea of just how safe it is to drive a Toyota Camry, check out the video below:

As the Toyota Camry only has one body type, there is no other information available on IIHS for safety ratings on other body types. For example, if a vehicle came in a two-door or four-door style, we would include the safety information for both in this section, but the Camry is only available as a four-door sedan.

How does the safety of the Toyota Camry compare to other vehicles with the same size and class?

As we discussed in the sections above, the size of your vehicle plays a part in how safe it will be in an accident. Because of this, rates of driver deaths per million registered vehicles have typically been higher for smaller, lighter vehicles.

Luckily, technological advances are making smaller vehicles safer, so the differences between large and small vehicles are less extreme today than they were in the past.

In the table below, we see occupant deaths per million registered vehicles:

2008-2018 Car Occupant Fatalities by Vehicle Class
YearDriver Fatality - CarsDriver Fatality - PickupsDriver Fatality - SUVsDriver Fatality - All passenger vehiclesAll Occupant Fatalities - CarsAll Occupant Fatalities - PickupsAll Occupant Fatalities - SUVsAll Occupant Fatalities - All passenger vehicles
200865873561921145285
20095663254982833669
20104964204371802961
20114349173762662452
20124244163561562349
20134139193458522648
20143738183253472444
20154240203562522951
20164439213663483251
20174637223666463351
20184834233669423250
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This information is helpful, but it can also be good to know the fatality rates based on your vehicle size. You can use the table below to compare the fatality rates for midsize cars such as the Camry with other vehicle sizes to get a better understanding of how safe a vehicle is when it’s in an accident.

Car Crash Fatalities Based on Vehicle Size
Car SizeRegistered VehiclesDeathsRate
Mini1,051,2758884
Small7,965,42242754
Midsize9,736,59039641
Large2,282,52412253
Very large1,787,3404726
All cars22,823,1511,08848
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Insurance companies will use these numbers to help determine your rates, so a lower number of fatalities in a category can translate into a lower insurance premium.

When it comes to types of crashes, frontal impacts were responsible for 56 percent of passenger vehicle deaths in 2018. Comparatively, side impacts accounted for only 23 percent of passenger vehicle deaths.

Other Car Insurance Coverage Rates for the Toyota Camry

So far we have talked about the way liability, collision, and comprehensive coverages impact the insurance rates for your Toyota Camry, but there is more to an insurance rate than just these factors. A car insurance calculator can help you estimate what your car insurance rates may be.

Below we’ll talk about some of the other types of coverage that you may need while driving.

How do safety ratings of the Toyota Camry affect personal injury protection (PIP) car insurance rates?

To get an idea of how the Toyota Camry fares when it comes to PIP coverage, take a look at the chart below:

Midsize Car Insurance PIP Losses
Midsize Car TypePersonal Injury Losses
Chevrolet Malibu hybrid-8%
Ford Fusion26%
Ford Fusion 4WD-4%
Ford Fusion hybrid11%
Ford Fusion plug-in hybrid6%
Honda Accord29%
Mazda 60%
Subaru Legacy 4WD-19%
Subaru Legacy 4WD with EyeSight-27%
Toyota Camry32%
Volkswagen Jetta24%
Volkswagen Passat12%
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On this graph, lower numbers are better. The Camry ranks at 32 percent, which is significantly worse than many other cars in the midsize range. It isn’t the worst, however, outperforming Nissan, Chevrolet, and Hyundai.

How do safety ratings of the Toyota Camry affect MedPay car insurance rates?

MedPay, otherwise known as medical payments coverage, is an optional coverage that can help pay your or your passengers’ medical expenses if you’re injured in a car accident, regardless of who is at fault. MedPay isn’t available in all states.

Midsize Car Insurance MedPay Losses
Midsize Car TypeMedical Payment Losses
Ford Fusion 4WD-7%
Ford Fusion hybrid2%
Ford Fusion plug-in hybrid5%
Honda Accord9%
Mazda 61%
Subaru Legacy 4WD-9%
Subaru Legacy 4WD with EyeSight-28%
Toyota Camry30%
Toyota Camry hybrid17%
Volkswagen Passat14%
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Much like the graph above, lower numbers are better. The Camry ranks at 30 percent, which is worse than many other cars in the midsize range. It isn’t the worst, however, outperforming Nissan, Chevrolet, Ford, and Hyundai.

Please note that PIP and MedPay numbers represent claim frequency only.

Potential car buyers ought to remember that it’s essential to get quotes from multiple insurance providers so that they’re capable of locating the very best car insurance costs for their Toyota Camry. Actual pricing will range wildly from one part of the country to another, from one state to a different state, and from one city to a different city.

The History of the Toyota Camry

The very first Toyota Camry was built in 1982. The name Camry is an anglicized version of the Japanese word for “crown”, which was a tradition with the Toyota company at the time. Toyota has several vehicles, including the Camry, Corolla, Atara, Scepter, and Tiara that were all named for crowns or royal accessories.

Originally a compact car, the Camry has grown over the years to become a midsize vehicle. It has always been a four-door vehicle, though after a few years of production a hatchback version of the Camry was also released.

There are many Camry designs across the globe, with different styles and parts used for the vehicle in America, Australia, Japan, and other places where the Camry was sold.

The Camry has come in many models and styles throughout the years, including the CE, L, LE, SE, XLE, SE V6, XLE V6, Hybrid LE, Hybrid XLE, and many others. It has been built with a variety of engine types and accessories, giving you very different driving experiences depending on which model you choose.

Sales of the Camry have gone down 1.88 percent in the last year, which seems to be in line with the overall trend for the last few years. Previously the Camry had been the best-selling car in America from 2002 to 2015, so they have seen a slow decline in sales for the past few years.

The 2020 Toyota Camry has many new features but maintains the reliability and affordability that many people have come to consider standard with the Camry.

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Toyota Camry Insurance FAQs

If you still have questions that weren’t answered in the article above, we have included some frequently asked questions below.

What is the highest mileage on a Toyota Camry?

Toyota is known for making vehicles that get incredible mileage and the Camry is no different. Some people have reported that their Camry has gotten more than 400,000 miles, though reports of numbers this high are outliers.

What is the cheapest car to insure?

There are a number of cars that are the cheapest to insure, including:

  • Mazda CX-5 Sport
  • Subaru Crosstrek
  • Buick Encore 1SV
  • Honda Fit LX w/Honda Sensing
  • Nissan Frontier S
  • Jeep Cherokee Latitude
  • Dodge Grand Caravan SE
  • Ford Transit Connect XL
  • GMC Canyon SL
  • Chevrolet Traverse L

The Camry is a bit more expensive to insure, but the cost to insure a Camry is still low in comparison to most other cars.

Why does the car you drive affect your insurance rates?

Many factors impact the cost of your insurance. For example, the cost to repair a vehicle impacts your insurance rates, so an expensive car is more expensive to insure. A car that’s designed to be fast and sporty will lead to more tickets and accidents, making it more expensive to insure.

If you want to reduce your insurance rates, choosing a car like the Toyota Camry is a good start. Keeping a clean driving record and taking advantage of any available discounts will also help keep your rates low.

If you’re ready to find the best insurance for your Toyota Camry, check out our FREE tool below.

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