Quick answer
- Published averages for full coverage on a Toyota Camry range from about $183 to $241 a month (roughly $2,200 to $2,900 a year).
- Liability-only coverage averages about $97 to $122 a month.
- Insure.com puts the Camry at $2,889 a year, about $148 below its national average for all vehicles.
- An 18-year-old driver pays far more: about $9,412 a year, according to the same study.
- The Camry is a frequent theft target and the 2025 redesign is hybrid-only, both of which affect pricing.
The Camry has been America’s best-selling midsize sedan for decades, which makes “how much is Camry insurance” one of the most common car insurance questions. The answer is reassuring for most adult drivers: around average, slightly cheaper in some studies. Here are the numbers and what changes them.
How much does Toyota Camry insurance cost?
| Source | Full coverage | Liability only |
|---|---|---|
| Insure.com (2026) | $2,889/year ($241/month) | About $1,170/year ($97/month) |
| Compare.com (2026) | $225/month | $122/month |
| Jerry (2026) | $183/month | $98/month (state minimum) |
| Insurify, 2025 Camry | $271/month | $148/month |
A brand-new Camry costs more to insure than an older one because it is worth more and has more sensors to repair.
Why Camry rates are not lower
- Theft. The Camry has appeared on the National Insurance Crime Bureau’s most-stolen lists for years, which pushes up comprehensive premiums.
- Hybrid-only redesign. The 2025 and newer Camry comes only as a hybrid, with a battery and more electronics than older models.
- Popularity with all drivers. A huge number of Camrys are driven by young drivers and rideshare drivers, which raises claim counts.
Compare.com notes that the Camry has the highest average liability premium among the Toyota models it tracks, partly because of these factors.
Rideshare drivers: a key coverage gap
The Camry is one of the most common cars on Uber and Lyft. A personal auto policy usually excludes coverage while the rideshare app is on and you are waiting for a ride request. Uber and Lyft provide coverage during trips, but the waiting period is a gap. Ask your insurer for a rideshare endorsement, which is often inexpensive.
Camry insurance for teen drivers
The Camry’s safety ratings and moderate power make it a popular choice for families with a new driver, but insurance is still expensive. Insure.com estimates $9,412 a year for an 18-year-old with full coverage. Add teens to a parent’s policy, ask about good-student and driver-training discounts, and consider telematics programs.
How to lower your Camry insurance
- Shop at least five insurers. Insurance.com’s 2025 Camry data shows the cheapest carrier at about $2,070 a year versus a $2,740 average.
- Raise deductibles to $1,000 if you can afford it.
- Add anti-theft measures and ask whether they earn a discount.
- Bundle auto with home or renters coverage.
- Drop collision on an older Camry if its value is low, but keep comprehensive because of theft risk.
Camry vs. similar cars
The Camry usually costs about the same as the Honda Accord and slightly more than compact SUVs like the RAV4 and CR-V. See our Honda Civic and Toyota RAV4 guides for comparisons.
Sources
- Insure.com, “Average Toyota Camry Car Insurance Cost for 2026.”
- Compare.com, Toyota car insurance costs (2026).
- Jerry, Toyota Camry car insurance (2026).
- Insurify, Toyota Camry car insurance quotes.
- Insurance.com, Toyota Camry insurance by model year.
Frequently asked questions
How much is insurance on a Toyota Camry?
Major 2026 studies put full coverage between about $183 and $241 a month. Insure.com’s average is $2,889 a year.
Is a Camry cheap to insure?
It is roughly average. Insure.com puts it slightly below its national average, but theft risk and popularity with young drivers keep it from being among the cheapest cars to insure.
Does my Camry insurance cover Uber or Lyft driving?
Usually not while the app is on and you are waiting for a request. Ask your insurer for a rideshare endorsement.
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