How much is insurance on a Toyota Camry?

A 2024 Toyota Camry runs about $2,090 a year for a typical 45-year-old, $150 more than an average car of the same age, because of more injury claims, higher crash-repair losses, more damage to others' property, and higher non-crash losses. Putting a new 16-year-old on a family policy with the Camry adds about $1,380 a year (#5 of 9 midsize four-door cars we compare).

2024 Toyota Camry (Camry), national average

about $2,090 a year (about $175 a month)

Estimated range: $1,550–$3,050. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Camry drops to about $1,610 (see the table below).

A Toyota Camry from the 2018–2024 generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Camry, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Camry's rank is the same in every state.

Why the Toyota Camry costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (Toyota Camry and Toyota Camry 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 122 for crash repairs, 108 for non-crash damage, 109 for damage to others' property, and 123 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage22% worse than average4th best of the 9 midsize four-door cars we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% worse than average6th best of the 9 midsize four-door cars we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage9% worse than average4th best of the 9 midsize four-door cars we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 23% more often than average2nd best of the 8 midsize four-door cars we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Camry comes out about 18% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 6% more than average: about $1,010 a year vs $950. On the liability side, damage to others and injury claims combine to about 17% worse than average. We count about half, so that part is about 9% more: $1,080 a year vs $990.

How the math works

In EPA size classes, the Camry is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Toyota Camry is benchmarked against midsize four-door cars.

This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.

Matched to HLDI series “Toyota Camry; Toyota Camry 4WD” (HLDI, 2022–24 models).

A used Toyota Camry, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Camry (0–3 years old)	about $2,090	about $1,080	+$1,380	about $5,990
2022 Camry (4–7 years old)	about $1,970	about $1,080	+$1,300	about $5,640
2018 Camry (8–12 years old)	about $1,640	about $890	+$1,080	about $4,710
2013 Camry (13 or more years old)	about $1,610	about $1,000	+$1,060	about $4,610

Our catalog covers the Toyota Camry across model years 2006–2027. Full coverage on a used 2013 Camry (13 or more years old) runs about $1,610 a year, $480 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,000 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Toyota Camry trims, full coverage goes from about $2,090 a year on the Camry to about $2,190 on the Camry Hybrid SE/XLE/XSE, because HLDI's loss results differ by body, drive, or powertrain.

Camry; Camry LE/SE; Camry TRD; Camry XLE/XSE; Camry XSE; Camry AWD LE/SE; Camry AWD XLE/XSE: about $2,090
Camry Hybrid LE; Camry Hybrid SE/XLE/XSE: about $2,190

On a policy of their own with a 2024 Toyota Camry, a 22–25-year-old pays about $2,710 a year ($630 more than a 45-year-old), a 26–39-year-old about $2,320, and a driver 65 and older about $2,190.

Adding a 16-year-old with a Toyota Camry

A new driver costs more with any car, and more than usual with the Toyota Camry: adding a 16-year-old raises the family bill by about $1,380 a year ($115 a month), $100 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,990 a year ($4,620 more than adding them to the family policy).

For adding a teen driver, the Toyota Camry ranks 31st most expensive out of all 121 models we track. Stepping down to a used 2013 Camry (13 or more years old) brings the teen add-on to about $1,060 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize four-door cars

Among these 9 midsize four-door cars, the Toyota Camry is the 5th most expensive to insure. Right next to it are the Honda Accord (about $2,070 a year) and the Hyundai Sonata (about $2,160).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Camry costs in your state

In six sample states, a 2024 Toyota Camry runs from about $1,390 a year in North Dakota through New Hampshire, Washington, New Mexico and Delaware to about $2,510 in Texas:

North Dakotaabout $1,390/yr · +$920 teen
New Hampshireabout $1,500/yr · +$990 teen
Washingtonabout $1,790/yr · +$1,180 teen
New Mexicoabout $1,890/yr · +$1,250 teen
Delawareabout $2,280/yr · +$1,500 teen
Texasabout $2,510/yr · +$1,650 teen

All 50 states and DC · Updated November 5, 2026.

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