Toyota Camry car insurance
The Toyota Camry has earned a reputation for reliability — and that extends to insurance costs. It sits in the middle of the midsize sedan pack, with rates that reflect Toyota's strong safety record and affordable OEM parts. Liberty Choice compares 20+ carriers to find the competitive Camry rate for your specific profile.
- 20+ carriers compared
- No broker fees
- Local Las Vegas agents
- Free, no-obligation quote
What does it cost to insure a Toyota Camry?
Here are the current national average insurance rates for a Toyota Camry, based on a 40-year-old driver with a clean record. Newer model years and higher trim levels will push costs toward the higher end.
| Coverage type | Average monthly | Average annual |
|---|---|---|
| Full coverage | $175 | $2,095 |
| Minimum liability only | $90 | $1,083 |
Full coverage reflects 100/300/100 liability limits plus comprehensive and collision with a $1,000 deductible. Actual rates vary by age, driving record, location, model year, and coverage selections.
Source: MoneyGeek, Toyota Camry insurance cost analysis, 2026. moneygeek.com/insurance/auto/toyota-camry-insurance/
The Camry's insurance costs are reasonable for a midsize sedan, landing slightly below the national full coverage average of roughly $196 per month. Toyota's reputation for building cars with widely available, competitively priced parts is a meaningful factor — repairs tend to cost insurers less than on competing models with proprietary or imported components.
Las Vegas drivers should keep in mind that Nevada rates can run noticeably higher than national averages due to traffic density on I-15 and the Strip, elevated accident frequency in Clark County, and a high statewide uninsured motorist rate. Liberty Choice's agents at 6655 W Sahara Ave #A100 compare 20+ carriers to find the competitive Nevada rate for your Camry. Call 702-742-6322 to get started.
How Camry insurance compares to other midsize sedans
The Camry lands in the middle of the midsize sedan segment for insurance costs. Here is how it stacks up against popular rivals, based on MoneyGeek's 2026 national averages:
| Make / Model | Average monthly (full coverage) | Average annual (full coverage) |
|---|---|---|
| Toyota Camry | $175 | $2,095 |
| Nissan Altima | $155 | $1,865 |
| Honda Accord | $166 | $1,992 |
| Subaru Legacy | $165 | $1,980 |
| Hyundai Sonata | $186 | $2,232 |
| Kia K5 | $193 | $2,316 |
National averages for a 40-year-old driver with a clean record. Your individual rate will reflect your personal profile, location, and chosen carrier.
Source: MoneyGeek, midsize sedan insurance cost comparison, 2026. moneygeek.com/insurance/auto/toyota-camry-insurance/
As the table shows, the Camry is not the cheapest midsize sedan to insure — the Nissan Altima and Honda Accord both come in lower — but it is also well below the Hyundai Sonata and Kia K5. For many Camry owners, the tradeoff of a slightly higher insurance cost is offset by the sedan's long-term reliability and strong resale value, which can reduce the cost of gap coverage and keep your total cost of ownership lower over time.
Coverage options for your Toyota Camry
Liberty Choice works with more than 20 carriers to offer Camry drivers the right level of protection. Coverage generally falls into two tiers — full coverage and state minimum liability — with optional add-ons available to close specific gaps.
Full coverage
Full coverage is a bundle that combines liability, collision, and comprehensive. Liability pays for injuries and property damage you cause to another party in an at-fault accident. Collision covers your Camry's repairs after a crash, regardless of fault. Comprehensive protects against losses outside of driving incidents — theft, vandalism, hail damage, fire, and similar events.
Collision and comprehensive both carry a deductible — the amount you pay before your insurer covers the rest. Choosing a higher deductible (say, $1,500 or $2,000 instead of $500) lowers your monthly premium but means more out-of-pocket expense when you file a claim. We recommend having that deductible amount readily available in savings before selecting a higher figure.
If your Camry is worth less than 10 times the combined annual cost of your comprehensive and collision coverage, dropping to liability only may make financial sense. An agent can help you run that calculation.
State minimum liability
Minimum liability is the floor — the least coverage you can legally carry in your state. In Nevada, that means $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability. It covers injuries and property damage you cause to other people, but not repairs to your own Camry or your own medical costs.
One area where minimum liability frequently falls short: Nevada's uninsured motorist rate is estimated at around 20%. If an uninsured driver hits you, your minimum-liability policy offers no recovery for your Camry's damage or your medical bills. Adding uninsured motorist coverage — available as an endorsement to most Nevada policies — is worth considering given local conditions.
Drivers who recommend carrying more than state minimum often cite 100/300/100 as a sensible target. The difference in monthly cost between Nevada minimums and 100/300/100 on a Camry is often modest, especially compared to the gap between what state minimums cover and what a serious accident actually costs.
Individual factors that affect your Camry's insurance rate
No two Camry drivers pay the same premium. Insurers build your rate from a combination of personal and vehicle factors:
- Age and driving experience. Younger drivers face higher premiums due to statistically elevated crash rates. Rates generally stabilize in the mid-20s and continue to decline through middle age.
- Driving record. At-fault accidents, speeding tickets, and other violations each raise your premium. A clean three-to-five-year window is typically required to qualify for the best driver discounts.
- Location. Rates in Las Vegas and Clark County tend to exceed Nevada's statewide averages due to higher traffic density, claim frequency, and theft rates in certain zip codes.
- Credit profile. Insurers in Nevada use credit-based insurance scores in rate calculations. Drivers with stronger credit typically pay less, all else equal.
- Camry trim and model year. Newer and higher-trim Camry models cost more to repair and replace, which pushes premiums higher compared to older or base-trim vehicles.
- Annual mileage. Drivers who log fewer miles are on the road less, which reduces exposure to claims. Many carriers offer lower-mileage discounts below 7,500–10,000 miles per year.
- Coverage selections and deductibles. Choosing higher liability limits, lower deductibles, or add-on coverages all increase the premium. Adjusting these levers lets you balance protection and cost.
How a DUI affects rates for a Toyota Camry
A DUI conviction can more than double your insurance premium and the impact is lasting. Rates typically stay elevated for three to five years, depending on which state's look-back window applies. Nevada allows insurers to look back seven years for serious violations, so a DUI filed today can affect your premiums well into the early 2030s.
Nevada also requires SR-22 filing after most DUI convictions — a form your insurer submits to the DMV certifying you carry at least the state minimum. Not all carriers will write a policy for someone who needs an SR-22, which is why working with an independent agency that has access to 20+ carriers, including high-risk specialists, is valuable in this situation. Over time, maintaining a clean record is the most reliable way to bring rates back down. Comparing quotes at each renewal period matters too — carriers price DUI risk differently.
Save more
Discounts available to Toyota Camry drivers
Toyota Camry drivers can qualify for a range of discounts that, when stacked, can meaningfully reduce the monthly cost of coverage:
- Good driver discount. A clean record — no at-fault accidents, no moving violations, no claims — for three to five years qualifies you for the best driver-tier rates most carriers offer.
- Defensive driving course. Completing an approved safety course can reduce your premium and may earn a small number of points off your driving record in Nevada.
- Multi-policy (bundle) discount. Combining your Camry's auto policy with a home or renters policy from the same insurer typically reduces both premiums by 10–25%.
- Multi-vehicle discount. Insuring two or more vehicles on the same policy lowers the per-vehicle rate for most carriers.
- Toyota Safety Sense discount. Newer Camry models come standard with Toyota Safety Sense — including pre-collision warning, automatic emergency braking, and lane departure alert — features that may qualify for a safety technology discount.
- Loyalty discount. Some carriers offer rate reductions for multi-year customers, though shopping around at renewal is still the best way to ensure you're getting the market's best price.
Discounts vary by carrier, and not every insurer offers every discount. One of the advantages of working with Liberty Choice — which compares 20+ carriers — is seeing which insurer's discount stack produces the lowest bottom line for your specific profile.
About the Toyota Camry
The Toyota Camry is a midsize sedan now entering its ninth generation. The current lineup is available in hybrid form only — Toyota discontinued the non-hybrid gasoline-only Camry after the 2024 model year, transitioning the full lineup to the hybrid system. The 2025 Camry pairs a 2.5-liter Atkinson-cycle four-cylinder with an electric motor for a combined output of 225 horsepower in standard configurations and 232 horsepower in the performance-oriented SE AWD and XSE AWD variants.
Toyota Safety Sense 3.0 is standard across all Camry trims, providing pre-collision warning, automatic emergency braking with pedestrian detection, adaptive cruise control, and lane centering. The full hybrid lineup and comprehensive standard safety package contribute to the Camry's competitive insurance positioning against rivals.
Camry trims and configurations
- LE (base). 225-hp hybrid system, front-wheel drive, 8-inch touchscreen, Apple CarPlay and Android Auto, Toyota Safety Sense 3.0 standard.
- SE and SE AWD. Sport-tuned suspension, 18-inch wheels, blacked-out trim, and available all-wheel drive. The SE AWD produces 232 hp.
- XLE. Comfort-focused trim with leather seating, a larger 12.3-inch touchscreen, a JBL audio system, and heated front seats.
- XSE and XSE AWD. Sport-luxury trim combining the XLE's premium interior appointments with the SE's sporty exterior treatment and available AWD.
The Camry's main competitors are the Honda Accord, Nissan Altima, Hyundai Sonata, Kia K5, and Subaru Legacy. Among these, the Camry consistently earns strong marks for reliability and resale value, both of which factor indirectly into the long-term cost of ownership beyond the insurance premium alone.
Get a Toyota Camry insurance quote in Las Vegas
Whether your Camry is brand new or a few years old, Liberty Choice can find you a competitive rate from 20+ carriers including our Progressive Authorized Platinum Agency partners. Request a quote online in minutes, stop by our office at 6655 W Sahara Ave #A100, Las Vegas, NV 89146, or call a licensed agent at 702-742-6322.
Get a free quote