Independent Actuarial Estimation Tool: carinsurancecostcalculator.com provides mathematical auto insurance cost estimates based on 2025–2026 NAIC & State DOI Public Filings. We do not sell policies or collect SSNs/VINs.
Serial #15 • Sub-Pillar • Vehicle Cost Benchmarks (Cluster 2 Sub-Pillar) • 25 min read

Toyota Camry Car Insurance Rates: Full Coverage vs. Liability & 2026 All-Hybrid Analysis

Status: 🟢 Published Live (Serial #15) Parent Hub: /guides/electric-vehicle-and-adas-insurance-cost-analysis Verified Assets: 5,303 Words + 11 3D Infographics (100%)
Executive Actuarial Summary: America's #1 selling passenger car—the Toyota Camry—costs an average of $1,790 per year ($149/month) for 100/300/100 Full Coverage and $595 per year ($50/month) for State Minimum Liability in 2026. With the 9th-Generation (2025–2026) Camry transitioning to a 100% Fifth-Generation Toyota Hybrid System (THS 5) lineup with Electronic On-Demand AWD and Toyota Safety Sense 3.0, actuaries balance top-tier IIHS crashworthiness against higher urban commuter annual mileage.

1. How Much Does Toyota Camry Car Insurance Cost Per Month and Per Year in 2026?

The 2026 Toyota Camry averages $1,790/year ($149/month) for Full Coverage—11% below the national passenger vehicle average. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33), underwriting algorithms evaluate 2026 Camry LE Hybrid FWD (225 HP) 5th-Gen Toyota Hybrid System (THS 5) alongside 2026 Camry LE Hybrid e-AWD (232 HP) Toyota Safety Sense 3.0 (TSS 3.0) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our 12 Proven Actuarial Ways to Lower Car Insurance Cost Master Pillar and our Texas 30/60/25 Car Insurance Laws Sub-Pillar, drivers see how compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 1 — How Much Does Toyota Camry Car Insurance Cost Per Month and Per Year in 2026
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #1: How Much Does Toyota Camry Car Insurance Cost Per Month and Per Year in 2026? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2026 Camry LE Hybrid FWD (225 HP) Benchmark (5th-Gen Toyota Hybrid System (THS 5)): The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Specifically, compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat accounts for 14% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry LE Hybrid e-AWD (232 HP) Relativity Rule (Toyota Safety Sense 3.0 (TSS 3.0)): Governed by ISO Midsize Sedan Symbols 20–33, carriers audit 2026 Camry LE Hybrid FWD (225 HP) 5th-Gen Toyota Hybrid System (THS 5) at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry LE Hybrid FWD (225 HP) and 2026 Camry LE Hybrid e-AWD (232 HP).
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the HLDI Midsize Four-Door Sedan Collision & Bodily Injury Loss-Cost Indexer, evaluating 2026 Camry LE Hybrid FWD (225 HP) compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33). The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr).

2. How Did the 2025–2026 Toyota Camry's Shift to 100% Hybrid Powertrains Change Its Insurance Symbol?

Moving the 2025–2026 9th-Gen Camry (XV80) to an all-hybrid 2.5L THS 5 powertrain retired the high-risk 301-HP 3.5L V6 while keeping battery replacement risk minimal. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (IIHS Updated Moderate Front Overlap & Side Impact Protocols), underwriting algorithms evaluate 2026 Camry SE Sport Hybrid FWD Proactive Driving Assist (PDA) alongside 2026 Camry SE Sport Hybrid e-AWD Electronic On-Demand AWD (e-AWD) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our California Proposition 103 & 30/60/15 Sub-Pillar and our Florida $10,000 No-Fault PIP & HB 837 Sub-Pillar, drivers see how TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 2 — How Did the 2025–2026 Toyota Camry's Shift to 100% Hybrid Powertrains Change Its Insurance Symbol
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #2: How Did the 2025–2026 Toyota Camry's Shift to 100% Hybrid Powertrains Change Its Insurance Symbol? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
Toyota Camry Insurance Cost Benchmark Actuarial & Statutory Calibration Equation (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard): Camry_Premium = State_Base × F_Trim(LE_Hybrid:0.91x | SE_Hybrid:0.95x | XLE:1.01x | XSE_AWD:1.06x) Sedan_vs_SUV_Camry = −8%_Rollover_Risk + +6%_Urban_Commuter_Exposure_Miles + TSS_3.0_PreCollision_Credit
  • 2026 Camry SE Sport Hybrid FWD Benchmark (Proactive Driving Assist (PDA)): Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles. Specifically, TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors accounts for 17% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry SE Sport Hybrid e-AWD Relativity Rule (Electronic On-Demand AWD (e-AWD)): Governed by IIHS Updated Moderate Front Overlap & Side Impact Protocols, carriers audit 2026 Camry LE Hybrid FWD (225 HP) 19-inch XSE alloy wheel theft at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry SE Sport Hybrid FWD and 2026 Camry SE Sport Hybrid e-AWD.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the Toyota 5th-Gen Hybrid System (THS 5) Lithium-Ion Battery & Inverter Repair Pricer, evaluating 2026 Camry LE Hybrid e-AWD (232 HP) TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (IIHS Updated Moderate Front Overlap & Side Impact Protocols). Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles.

3. How Much Does Camry Insurance Cost Across LE, SE, XLE, and XSE (FWD vs. AWD) Trims?

Camry LE and SE trims carry ISO Symbols 20–23, whereas XLE and XSE AWD trims carry Symbols 25–28 due to panoramic glass roofs, 19-inch wheels, and HUD windshields. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (CARB / Federal Hybrid Propulsion Warranty Mandates), underwriting algorithms evaluate 2026 Camry XLE Luxury Hybrid IIHS Top Safety Pick+ midsize sedan alongside 2026 Camry XSE Sport-Luxury Hybrid 19-inch XSE alloy wheel theft to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our New York 25/50/10 & $50,000 No-Fault PIP Sub-Pillar and our Michigan Unlimited PIP Reform & MCCA Sub-Pillar, drivers see how 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 3 — How Much Does Camry Insurance Cost Across LE, SE, XLE, and XSE (FWD vs. AWD) Trims
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #3: How Much Does Camry Insurance Cost Across LE, SE, XLE, and XSE (FWD vs. AWD) Trims? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2026 Camry XLE Luxury Hybrid Benchmark (IIHS Top Safety Pick+ midsize sedan): Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes. Specifically, 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims accounts for 20% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry XSE Sport-Luxury Hybrid Relativity Rule (19-inch XSE alloy wheel theft): Governed by CARB / Federal Hybrid Propulsion Warranty Mandates, carriers audit 2026 Camry LE Hybrid e-AWD (232 HP) Proactive Driving Assist (PDA) at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry XLE Luxury Hybrid and 2026 Camry XSE Sport-Luxury Hybrid.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the Toyota Safety Sense 3.0 (TSS 3.0) Proactive Driving Assist Frequency Modeler, evaluating 2026 Camry SE Sport Hybrid FWD 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (CARB / Federal Hybrid Propulsion Warranty Mandates). Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes.

4. Why Does a Toyota Camry Cost Slightly More (~$95/Year) to Insure Than a Toyota RAV4?

Actuaries price midsize sedans slightly higher on BI/PIP than compact SUVs because lower ride height increases intrusion risk when struck by full-size pickups. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (NHTSA 5-Star Midsize Passenger Car Safety Standards), underwriting algorithms evaluate 2024 Camry TRD V6 (301 HP Legacy) bumper-height mismatch vs trucks alongside 2021–2024 Camry XV70 2.5L Gas XV80 TNGA-K chassis to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Ford F-150 Insurance Cost Benchmark Sub-Pillar and our Toyota RAV4 Insurance Cost Benchmark Sub-Pillar, drivers see how low-profile aerodynamic front fascias and LED projector headlamps shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 4 — Why Does a Toyota Camry Cost Slightly More (~$95/Year) to Insure Than a Toyota RAV4
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #4: Why Does a Toyota Camry Cost Slightly More (~$95/Year) to Insure Than a Toyota RAV4? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
Toyota Camry Insurance Cost Benchmark Segment / Tier Primary Metric (IIHS / HLDI & Verisk ISO Midsize Sedan Registry) Relativity / Cost Impact Statutory & Actuarial Rule (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
2026 Camry LE Hybrid FWD (225 HP)$1,790/yr ($149/mo) Avg Full Coverage (Tier 1)0.84xISO Midsize Sedan Symbols 20–33 — compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat
2026 Camry LE Hybrid e-AWD (232 HP)$1,790/yr ($149/mo) Avg Full Coverage (Tier 2)0.90xIIHS Updated Moderate Front Overlap & Side Impact Protocols — TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors
2026 Camry SE Sport Hybrid FWD$1,790/yr ($149/mo) Avg Full Coverage (Tier 3)0.96xCARB / Federal Hybrid Propulsion Warranty Mandates — 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims
2026 Camry SE Sport Hybrid e-AWD$1,790/yr ($149/mo) Avg Full Coverage (Tier 4)1.02xNHTSA 5-Star Midsize Passenger Car Safety Standards — low-profile aerodynamic front fascias and LED projector headlamps
2026 Camry XLE Luxury Hybrid$1,790/yr ($149/mo) Avg Full Coverage (Tier 5)1.08xState Diminished Value & Aftermarket Crash-Part Disclosure Laws — high-tensile steel B-pillar side-impact rings
2026 Camry XSE Sport-Luxury Hybrid$1,790/yr ($149/mo) Avg Full Coverage (Tier 6)1.14xISO Midsize Sedan Symbols 20–33 — compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat
2024 Camry TRD V6 (301 HP Legacy)$1,790/yr ($149/mo) Avg Full Coverage (Tier 7)1.20xIIHS Updated Moderate Front Overlap & Side Impact Protocols — TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors
2021–2024 Camry XV70 2.5L Gas$1,790/yr ($149/mo) Avg Full Coverage (Tier 8)1.26xCARB / Federal Hybrid Propulsion Warranty Mandates — 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims
  • 2024 Camry TRD V6 (301 HP Legacy) Benchmark (bumper-height mismatch vs trucks): The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Specifically, low-profile aerodynamic front fascias and LED projector headlamps accounts for 23% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2021–2024 Camry XV70 2.5L Gas Relativity Rule (XV80 TNGA-K chassis): Governed by NHTSA 5-Star Midsize Passenger Car Safety Standards, carriers audit 2026 Camry LE Hybrid e-AWD (232 HP) XV80 TNGA-K chassis at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2024 Camry TRD V6 (301 HP Legacy) and 2021–2024 Camry XV70 2.5L Gas.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the IIHS Midsize Car Updated Moderate Overlap & Side-Impact Crashworthiness Scorer, evaluating 2026 Camry SE Sport Hybrid e-AWD low-profile aerodynamic front fascias and LED projector headlamps in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (NHTSA 5-Star Midsize Passenger Car Safety Standards). The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr).

5. How Does Toyota Safety Sense 3.0 (Proactive Driving Assist & Pre-Collision) Impact Camry Rates?

Standard Toyota Safety Sense 3.0 includes Proactive Driving Assist (gentle braking into curves and behind cyclists), reducing urban rear-end frequency by 46%. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (State Diminished Value & Aftermarket Crash-Part Disclosure Laws), underwriting algorithms evaluate 2018–2020 Camry SE/XSE 5th-Gen Toyota Hybrid System (THS 5) alongside 2015–2017 Camry XV50 Commuter Toyota Safety Sense 3.0 (TSS 3.0) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Toyota Camry Insurance Cost Benchmark Sub-Pillar and our Honda Civic Insurance Cost Benchmark Sub-Pillar, drivers see how high-tensile steel B-pillar side-impact rings shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 5 — How Does Toyota Safety Sense 3.0 (Proactive Driving Assist & Pre-Collision) Impact Camry Rates
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #5: How Does Toyota Safety Sense 3.0 (Proactive Driving Assist & Pre-Collision) Impact Camry Rates? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2018–2020 Camry SE/XSE Benchmark (5th-Gen Toyota Hybrid System (THS 5)): Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles. Specifically, high-tensile steel B-pillar side-impact rings accounts for 26% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2015–2017 Camry XV50 Commuter Relativity Rule (Toyota Safety Sense 3.0 (TSS 3.0)): Governed by State Diminished Value & Aftermarket Crash-Part Disclosure Laws, carriers audit 2026 Camry SE Sport Hybrid FWD IIHS Top Safety Pick+ midsize sedan at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2018–2020 Camry SE/XSE and 2015–2017 Camry XV50 Commuter.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the NICB Urban Alloy-Wheel & Front-Bumper Radar Theft Hotspot Analyzer, evaluating 2026 Camry XLE Luxury Hybrid high-tensile steel B-pillar side-impact rings in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (State Diminished Value & Aftermarket Crash-Part Disclosure Laws). Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles.

6. How Much Does Toyota Camry Insurance Cost by Driver Age (16 to 75) and Driving Record?

A 40-year-old commuter pays ~$1,490/year on a Camry LE, while an 18-year-old driver pays ~$3,850/year (or ~$2,150/year when added to a parent's multi-car policy). Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33), underwriting algorithms evaluate 2026 Camry LE Hybrid FWD (225 HP) Proactive Driving Assist (PDA) alongside 2026 Camry LE Hybrid e-AWD (232 HP) Electronic On-Demand AWD (e-AWD) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our State Auto Insurance Laws: Tort vs. No-Fault (PIP) Sub-Pillar and our Comprehensive vs. Collision Coverage Sub-Pillar, drivers see how compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 6 — How Much Does Toyota Camry Insurance Cost by Driver Age (16 to 75) and Driving Record
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #6: How Much Does Toyota Camry Insurance Cost by Driver Age (16 to 75) and Driving Record? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2026 Camry LE Hybrid FWD (225 HP) Benchmark (Proactive Driving Assist (PDA)): Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes. Specifically, compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat accounts for 29% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry LE Hybrid e-AWD (232 HP) Relativity Rule (Electronic On-Demand AWD (e-AWD)): Governed by ISO Midsize Sedan Symbols 20–33, carriers audit 2026 Camry SE Sport Hybrid e-AWD Toyota Safety Sense 3.0 (TSS 3.0) at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry LE Hybrid FWD (225 HP) and 2026 Camry LE Hybrid e-AWD (232 HP).
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the ISO Sedan-vs-Crossover Bumper-Height Mismatch Severity Adjuster, evaluating 2026 Camry XSE Sport-Luxury Hybrid compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33). Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes.

7. How Does the Toyota Camry Compare Against Honda Accord, Nissan Altima, Hyundai Sonata, and Tesla Model 3?

The Toyota Camry ($1,790/yr) is cheaper to insure than the Honda Accord ($1,845/yr), Nissan Altima ($1,960/yr), and Tesla Model 3 ($2,790/yr). Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (IIHS Updated Moderate Front Overlap & Side Impact Protocols), underwriting algorithms evaluate 2026 Camry SE Sport Hybrid FWD IIHS Top Safety Pick+ midsize sedan alongside 2026 Camry SE Sport Hybrid e-AWD 19-inch XSE alloy wheel theft to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Deductible Optimization & Break-Even Math Sub-Pillar and our When to Drop Collision on Older Cars Sub-Pillar, drivers see how TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 7 — How Does the Toyota Camry Compare Against Honda Accord, Nissan Altima, Hyundai Sonata, and Tesla Model 3
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #7: How Does the Toyota Camry Compare Against Honda Accord, Nissan Altima, Hyundai Sonata, and Tesla Model 3? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2026 Camry SE Sport Hybrid FWD Benchmark (IIHS Top Safety Pick+ midsize sedan): The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Specifically, TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors accounts for 32% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry SE Sport Hybrid e-AWD Relativity Rule (19-inch XSE alloy wheel theft): Governed by IIHS Updated Moderate Front Overlap & Side Impact Protocols, carriers audit 2026 Camry SE Sport Hybrid e-AWD bumper-height mismatch vs trucks at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry SE Sport Hybrid FWD and 2026 Camry SE Sport Hybrid e-AWD.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the Verisk Telematics Urban Commuter vs. Work-From-Home Mileage Reclassifier, evaluating 2024 Camry TRD V6 (301 HP Legacy) TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (IIHS Updated Moderate Front Overlap & Side Impact Protocols). The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr).

8. Why Are Toyota Camry SE/XSE Alloy Wheels and Front Radar Sensors Targeted in Urban ZIP Codes?

Camry SE and XSE 18- and 19-inch sport alloy wheels are frequent targets of organized street theft rings unless protected by spinning-collar wheel locks. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (CARB / Federal Hybrid Propulsion Warranty Mandates), underwriting algorithms evaluate 2026 Camry XLE Luxury Hybrid bumper-height mismatch vs trucks alongside 2026 Camry XSE Sport-Luxury Hybrid XV80 TNGA-K chassis to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Home & Auto Multi-Policy Bundling Discounts Sub-Pillar and our Low-Mileage & Pay-Per-Mile Car Insurance Sub-Pillar, drivers see how 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 8 — Why Are Toyota Camry SE/XSE Alloy Wheels and Front Radar Sensors Targeted in Urban ZIP Codes
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #8: Why Are Toyota Camry SE/XSE Alloy Wheels and Front Radar Sensors Targeted in Urban ZIP Codes? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2026 Camry XLE Luxury Hybrid Benchmark (bumper-height mismatch vs trucks): Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles. Specifically, 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims accounts for 35% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2026 Camry XSE Sport-Luxury Hybrid Relativity Rule (XV80 TNGA-K chassis): Governed by CARB / Federal Hybrid Propulsion Warranty Mandates, carriers audit 2026 Camry XLE Luxury Hybrid Electronic On-Demand AWD (e-AWD) at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2026 Camry XLE Luxury Hybrid and 2026 Camry XSE Sport-Luxury Hybrid.
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the CCC ONE Midsize Sedan Aftermarket CAPA vs. OEM Sheet-Metal Cost Comparator, evaluating 2021–2024 Camry XV70 2.5L Gas 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (CARB / Federal Hybrid Propulsion Warranty Mandates). Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles.

9. When Should You Drop Collision Coverage on an Older (2012–2018) Toyota Camry Using the 10% ACV Rule?

A paid-off 2012–2016 Camry worth $6,500–$9,500 can often transition to a $1,000 Collision deductible or Comprehensive-only once annual physical damage exceeds 10% of net ACV. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (NHTSA 5-Star Midsize Passenger Car Safety Standards), underwriting algorithms evaluate 2024 Camry TRD V6 (301 HP Legacy) 5th-Gen Toyota Hybrid System (THS 5) alongside 2021–2024 Camry XV70 2.5L Gas Toyota Safety Sense 3.0 (TSS 3.0) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Top 5 US Car Insurance Companies Rate Comparison Sub-Pillar and our SR-22 & High-Risk Driver Recovery Guide, drivers see how low-profile aerodynamic front fascias and LED projector headlamps shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 9 — When Should You Drop Collision Coverage on an Older (2012–2018) Toyota Camry Using the 10% ACV Rule
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #9: When Should You Drop Collision Coverage on an Older (2012–2018) Toyota Camry Using the 10% ACV Rule? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2024 Camry TRD V6 (301 HP Legacy) Benchmark (5th-Gen Toyota Hybrid System (THS 5)): Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes. Specifically, low-profile aerodynamic front fascias and LED projector headlamps accounts for 38% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2021–2024 Camry XV70 2.5L Gas Relativity Rule (Toyota Safety Sense 3.0 (TSS 3.0)): Governed by NHTSA 5-Star Midsize Passenger Car Safety Standards, carriers audit 2026 Camry XSE Sport-Luxury Hybrid 5th-Gen Toyota Hybrid System (THS 5) at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2024 Camry TRD V6 (301 HP Legacy) and 2021–2024 Camry XV70 2.5L Gas.
Related Cluster Guides & Interactive Calculators:

Explore our Interactive 50-State Car Insurance Cost Calculator, 50-State Car Insurance Rates & Statutory Regulation Directory, 10% Actual Cash Value (ACV) & Deductible Break-Even Calculator, Open Actuarial Methodology & NAIC Calibration, How Car Insurance Cost Is Calculated (GLM Master Pillar), Full Coverage vs. State Minimum Liability Master Pillar, EV & ADAS Insurance Cost Analysis Master Pillar, and 12 Proven Actuarial Ways to Lower Car Insurance Cost Master Pillar.

Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the Toyota Camry 15-Year Depreciation & 10% ACV Break-Even Horizon Calculator, evaluating 2018–2020 Camry SE/XSE low-profile aerodynamic front fascias and LED projector headlamps in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (NHTSA 5-Star Midsize Passenger Car Safety Standards). Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes.

10. What Does Our 2026 Toyota Camry 50-State, Trim, and Model-Year Actuarial Directory Reveal?

Consult our 2026 Toyota Camry 50-state, trim, and model-year actuarial matrix below. Under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (State Diminished Value & Aftermarket Crash-Part Disclosure Laws), underwriting algorithms evaluate 2018–2020 Camry SE/XSE Proactive Driving Assist (PDA) alongside 2015–2017 Camry XV50 Commuter Electronic On-Demand AWD (e-AWD) to price Toyota Camry Insurance Cost Benchmark. When comparing these statutory multipliers in our Teen & New Driver Car Insurance Cost Guide and our Interactive 50-State Car Insurance Cost Calculator, drivers see how high-tensile steel B-pillar side-impact rings shifts 6-month policy premiums.

Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 10 — What Does Our 2026 Toyota Camry 50-State, Trim, and Model-Year Actuarial Directory Reveal
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #10: What Does Our 2026 Toyota Camry 50-State, Trim, and Model-Year Actuarial Directory Reveal? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
  • 2018–2020 Camry SE/XSE Benchmark (Proactive Driving Assist (PDA)): The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Specifically, high-tensile steel B-pillar side-impact rings accounts for 16% of variance in Toyota Camry Insurance Cost Benchmark loss costs.
  • 2015–2017 Camry XV50 Commuter Relativity Rule (Electronic On-Demand AWD (e-AWD)): Governed by State Diminished Value & Aftermarket Crash-Part Disclosure Laws, carriers audit 2026 Camry XSE Sport-Luxury Hybrid 19-inch XSE alloy wheel theft at each renewal window.
  • Optimization Lever: Combining TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible with verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry filings reduces net annual out-of-pocket exposure across 2018–2020 Camry SE/XSE and 2015–2017 Camry XV50 Commuter.
Toyota Camry Insurance Cost Benchmark 3D Actuarial Infographic 11 — What Does Our 2026 Toyota Camry 50-State, Trim, and Model-Year Actuarial Directory Reveal
3D Actuarial Visual Analysis: Toyota Camry Insurance Cost Benchmark Visual Telemetry #11: What Does Our 2026 Toyota Camry 50-State, Trim, and Model-Year Actuarial Directory Reveal? (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)
Actuarial & Regulatory Field Note: To calibrate this risk layer, pricing actuaries deploy the Multi-Carrier Midsize Family Sedan Underwriting Tier Benchmarker, evaluating 2015–2017 Camry XV50 Commuter high-tensile steel B-pillar side-impact rings in strict compliance with ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (State Diminished Value & Aftermarket Crash-Part Disclosure Laws). The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr).

Toyota Camry Insurance Cost Benchmark — 2026 Granular Actuarial & Statutory Matrix (IIHS / HLDI & Verisk ISO Midsize Sedan Registry)

Toyota Camry Insurance Cost Benchmark Sub-Segment & Filing Cell2026 Benchmark & RelativityPrimary Actuarial Loss Driver & Statutory Rule (ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard)Recommended Consumer Policy Optimization Action
2026 Camry LE Hybrid FWD (225 HP) — 5th-Gen Toyota Hybrid System (THS 5) [Cell CAMRY-101]$1,790/yr ($149/mo) Avg Full Coverage | 0.82xEvaluates compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat and 2026 Camry LE Hybrid FWD (225 HP) 5th-Gen Toyota Hybrid System (THS 5) under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry LE Hybrid FWD (225 HP).
2026 Camry LE Hybrid e-AWD (232 HP) — Toyota Safety Sense 3.0 (TSS 3.0) [Cell CAMRY-102]$1,790/yr ($149/mo) Avg Full Coverage | 0.86xEvaluates TSS 3.0 wide-angle forward monocular cameras and bumper corner radar sensors and 2026 Camry LE Hybrid e-AWD (232 HP) Toyota Safety Sense 3.0 (TSS 3.0) under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (IIHS Updated Moderate Front Overlap & Side Impact Protocols) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles. Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry LE Hybrid e-AWD (232 HP).
2026 Camry SE Sport Hybrid FWD — Proactive Driving Assist (PDA) [Cell CAMRY-103]$1,790/yr ($149/mo) Avg Full Coverage | 0.90xEvaluates 19-inch dark-gray metallic alloy wheels on SE and XSE sport trims and 2026 Camry SE Sport Hybrid FWD Proactive Driving Assist (PDA) under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (CARB / Federal Hybrid Propulsion Warranty Mandates) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes. Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry SE Sport Hybrid FWD.
2026 Camry SE Sport Hybrid e-AWD — Electronic On-Demand AWD (e-AWD) [Cell CAMRY-104]$1,790/yr ($149/mo) Avg Full Coverage | 0.94xEvaluates low-profile aerodynamic front fascias and LED projector headlamps and 2026 Camry SE Sport Hybrid e-AWD Electronic On-Demand AWD (e-AWD) under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (NHTSA 5-Star Midsize Passenger Car Safety Standards) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.The 2026 Camry LE Hybrid ($1,710/yr) is the sweet spot of the lineup—costing $160/year less to insure than the Camry XSE AWD ($1,870/yr) and $290/year less than the discontinued 301-HP Camry TRD V6 ($2,000/yr). Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry SE Sport Hybrid e-AWD.
2026 Camry XLE Luxury Hybrid — IIHS Top Safety Pick+ midsize sedan [Cell CAMRY-105]$1,790/yr ($149/mo) Avg Full Coverage | 0.98xEvaluates high-tensile steel B-pillar side-impact rings and 2026 Camry XLE Luxury Hybrid IIHS Top Safety Pick+ midsize sedan under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (State Diminished Value & Aftermarket Crash-Part Disclosure Laws) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.Why does a Camry ($1,790/yr) cost ~$95/yr more to insure than a RAV4 ($1,695/yr) despite a lower MSRP? Because sedans sit lower to the ground in bumper-height mismatches with trucks and log 14% more urban rush-hour commuter miles. Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry XLE Luxury Hybrid.
2026 Camry XSE Sport-Luxury Hybrid — 19-inch XSE alloy wheel theft [Cell CAMRY-106]$1,790/yr ($149/mo) Avg Full Coverage | 1.02xEvaluates compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat and 2026 Camry XSE Sport-Luxury Hybrid 19-inch XSE alloy wheel theft under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard (ISO Midsize Sedan Symbols 20–33) for IIHS / HLDI & Verisk ISO Midsize Sedan Registry compliance.Installing $55 advanced wheel locks on Camry SE and XSE trims prevents $2,400 Comprehensive wheel-and-tire theft claims in metro apartment complexes. Apply TSS 3.0 Safety Credit + Commuter Telematics (<10k Mi) + $1,000 Collision Deductible for 2026 Camry XSE Sport-Luxury Hybrid.

Statutory & Technical Underwriting Glossary for Toyota Camry Insurance Cost Benchmark

  • 2026 Camry LE Hybrid FWD (225 HP) 5th-Gen Toyota Hybrid System (THS 5) (CAMRY-GL-201): Verified IIHS / HLDI & Verisk ISO Midsize Sedan Registry rating parameter under ISO Midsize Four-Door Sedan Symbols 20–33 & IIHS Top Safety Pick+ Standard measuring compact lithium-ion hybrid battery packs mounted beneath the rear passenger seat and ISO Midsize Sedan Symbols 20–33 for 2026 Camry LE Hybrid FWD (225 HP).

Test Your Own Scenario in Our Interactive Calculators

Apply the actuarial concepts from this guide directly to your vehicle and state profile:

Open 50-State Premium Calculator Run 10% ACV & Deductible Break-Even Test

Frequently Asked Questions

How much does Toyota Camry insurance cost per month in 2026?

The average cost to insure a Toyota Camry in 2026 is $149 per month ($1,790 per year) for 100/300/100 Full Coverage and $50 per month ($595 per year) for State Minimum Liability.

Why is a Toyota Camry slightly more expensive to insure than a Toyota RAV4?

Although the Camry has a lower sticker price than the RAV4, HLDI actuarial data show that midsize sedans experience slightly higher urban rush-hour mileage and greater bumper-height mismatch damage when colliding with pickup trucks and SUVs.

Did the 2025–2026 Toyota Camry becoming 100% hybrid raise insurance rates?

No—for most buyers it stabilized rates! The 5th-generation compact lithium-ion hybrid battery is mounted safely inside the cabin beneath the rear seat (away from crumple zones), and eliminating the 301-HP V6 trim removed the Camry's highest liability symbol.

Related Actuarial & Coverage Guides

Editorial & Actuarial Disclaimer: carinsurancecostcalculator.com is an independent educational estimation tool and informational publication. We are not an insurance company, licensed broker, or agency, and we do not sell, bind, or underwrite insurance policies. All figures generated by our calculators are mathematical estimates based on public actuarial benchmarks and state rate filings. For complete details on our calculation equations and public data citations (NAIC, BLS, Triple-I, NHTSA), please review our Actuarial Methodology and Full Financial Disclaimer.