Toyota Camry Insurance Cost (2026)

Q: Do older Toyota Camry model years cost less to insure?

Penny asks: "How much do older model years save?" Scout answers: "Plenty. A 2017 Toyota Camry runs about -14% versus the 2021 baseline of $128/mo, while a 2025 runs +17%. Liability barely moves; it is the comprehensive and collision share that falls as the vehicle depreciates."

The team's quick take

Average full coverage: $128/mo for a 2021 Toyota Camry, clean record
Liability-only averages $52/mo across recent model years
That puts the Toyota Camry about $24/mo below the $152 national average for full coverage

Cost by model year

Model year	Liability / mo	Full coverage / mo	vs 2021 baseline
2025 Toyota Camry	$53	$150	+17%
2023 Toyota Camry	$53	$137	+7%
2021 Toyota Camry	$52	$128	baseline
2019 Toyota Camry	$52	$120	-6%
2017 Toyota Camry	$51	$110	-14%

Illustrative estimates for layout and comparison purposes; see our methodology.

Toyota Camry vs rival vehicles

Vehicle	Full coverage / mo	Note
Toyota Camry	$128	The vehicle on this page
Honda Accord	$131	Nearly identical risk profile
Hyundai Sonata	$134	Theft-wave surcharges linger
Nissan Altima	$139	Higher claim frequency

Illustrative estimates for layout and comparison purposes; see our methodology.

Scout digs up Toyota Camry rates from 100+ carriers. Penny double-checks every line before you see one.

Compare Toyota Camry Rates

What moves a Toyota Camry premium

Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
Repair and parts network: the easier a Toyota Camry is to fix near you, the lower the comprehensive and collision share runs
Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge

Toyota Camry questions, answered

Is a Toyota Camry expensive to insure?

Not especially. At $128/mo for full coverage, a 2021 Toyota Camry runs about $24/mo below the $152 national average, so it lands on the cheaper side of the market.

Do older Toyota Camry model years cost less to insure?

Penny asks:"How much do older model years save?" Scout answers:"Plenty. A 2017 Toyota Camry runs about -14% versus the 2021 baseline, while a 2025 runs +17%. Liability barely moves; the collision share is what falls."