Every figure in this article is traced to the primary sources listed under Sources.

A 2026 Toyota Camry averages $2,889 per year for full coverage, or $241 per month when calculated as annual divided by 12, according to Insure.com 2026 data using Quadrant Information Services. Compare.com, updated October 28, 2026, reports $225 per month. Most drivers see $175 to $225 per month depending on state, trim and driver profile.

Key Takeaway: The Camry is mid-pack for midsize sedans in 2026 at $148 below the national average of $3,037 per year. The 2026 model is the second year sold only as a hybrid in the United States, which changes repair considerations versus older gas Camrys still sold used. Realistic range is $2,095 to $2,889 per year. State matters most: Maine $1,756 versus Louisiana $4,862. Trim matters: LE Hybrid $148 versus XSE $182 monthly. Drivers should compare quotes for exact trim, front-wheel or all-wheel drive, same limits and ZIP code. Theft claim frequency for recent Camrys is below average despite high theft volume.

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How much does a 2026 Toyota Camry cost to insure?

Insure.com reports average annual full coverage for a Toyota Camry in 2026 is $2,889, or $241 per month equivalent when calculated as annual divided by 12. The methodology is Quadrant Information Services, hypothetical driver 40-year-old male with clean record, good credit, 12-mile commute, 10,000 annual miles, updated 2026. That average is $148 below Insure.com national average of $3,037 per year for full coverage.

Compare.com, updated October 28, 2026, reports average liability $122 per month and full coverage $225 per month, or $2,700 per year equivalent. It sourced data by analyzing real quotes from more than 100 partner companies plus Quadrant rate filings. It lists USAA $93 per month and State Farm $103 per month as lowest averages for the Camry among carriers surveyed, with Allstate $131, American Family $140 and GEICO $143.

Penny Pincher, updated August 19, 2026, reports full coverage for Camry in 2026 ranges $2,095 to $2,889 per year, or $175 to $225 per month, with 2026 at $122 to $160 liability and $175 to $225 full coverage. Trim estimates from The Zebra and Insurify cited there show LE Hybrid front-wheel drive $78 minimum $148 full coverage monthly, SE $84 $160, Nightshade $87 $166, XLE $91 $176 and XSE $95 $182 based on 40-year-old clean record.

Practical note: Monthly equivalents are annual divided by 12 and labeled as calculations. They are not the billed monthly amount and will differ by insurer, ZIP code and driver.
State – cheapest
Maine
$1,756 per year $146 per month – Insure.com 2026
Lowest average in the 2026 dataset for Toyota Camry. Hawaii $1,757, Vermont $1,820, New Hampshire $1,865 and Ohio $1,901 are close. Geography remains a larger driver than trim alone.
State – most expensive
Louisiana
$4,862 per year $405 per month – Insure.com 2026
Highest average for Camry in 2026. Michigan $4,103, Nevada $4,033, California $3,705 and Florida $3,616 also well above national average. Same coverage, same driver profile, different state rules and loss costs.

What is the 2026 Camry and why does it affect insurance?

The 2026 Toyota Camry is a ninth-generation midsize sedan, redesigned for 2025 and carried over for 2026 as hybrid-only. Every 2026 Camry uses a 2.5-liter four-cylinder with Toyota fifth-generation hybrid system for 225 horsepower front-wheel drive and 232 horsepower all-wheel drive, with an electronically controlled continuously variable transmission. Trims are LE, SE, Nightshade, XLE and XSE, each front-wheel drive or all-wheel drive for $1,525 extra. Starting manufacturer suggested retail price is $29,000 for LE front-wheel drive with destination per Compare.com citing Toyota, ranging to about $36,395 for XSE front-wheel drive and $37,920 for XSE all-wheel drive per Weekly Driver with $1,195 destination.

EPA combined fuel economy is up to 51 mpg on LE front-wheel drive and 46 mpg on most other trims, 43 mpg on XSE all-wheel drive. The carryover 2027 is listed at $29,700 to $37,625, up $700, confirming the 2026 pricing window. The Toyota RAV4 insurance cost shows how the same brand hybrid system prices in an SUV versus a sedan, useful if you cross-shop RAV4 and Camry.

Safety affects insurance. The National Highway Traffic Safety Administration rates the 2025 Camry, structurally identical to 2026, at 5 stars overall. The Insurance Institute for Highway Safety rates the 2025 Camry as Top Safety Pick+, stating rating applies to 2025-27 models, with Good for small overlap front driver and passenger, moderate overlap front updated and side updated tests. Every 2026 Camry includes Toyota Safety Sense 3.0 standard: pre-collision braking with pedestrian detection, full-speed dynamic radar cruise control, lane departure alert with steering assist, lane tracing assist, road sign assist, proactive driving assist, automatic high beams, plus Blind Spot Monitor with Rear Cross-Traffic Alert. The Honda Accord theft and insurance costs provide a direct midsize competitor comparison for safety and theft impact.

Theft data helps explain comprehensive cost. The National Insurance Crime Bureau reported 9,833 Toyota Camry thefts in its 2025 release covering 2024 data, ranking Camry 8th most stolen. The Highway Loss Data Institute report WT-24 from May 2025 shows 2022-24 Camry theft claim frequency 64 where 100 is average, Camry hybrid 55 and Camry 4WD 40, all below average. High volume but low frequency indicates lower-than-average theft claim risk for recent model years. U.S. market status for 2026 Camry is CURRENT U.S. MODEL, verified on Toyota.com and dealer announcements October 27, 2026.

Why does Toyota Camry insurance vary by state, trim and coverage?

Model year, trim, drivetrain and geography drive differences. Insure.com shows 2015 Camry averaging $2,112 per year rising to $2,889 for 2025, reflecting higher value and repair complexity. XLE and XSE near $36,000 to $37,920 have larger wheels, more sensors and higher potential payout. All-wheel drive adds $1,525 and a rear motor.

Advanced driver assistance helps lower crash frequency but raises repair cost after a crash. Toyota Safety Sense 3.0 radar and camera units require calibration after a collision and often original equipment parts. Recent 2026 industry analyses note parts tariffs adding upward pressure on repair costs. The Hyundai Elantra insurance cost illustrates how compact versus midsize sedan sensor content and value change premiums, a useful contrast to Camry.

Coverage limits, deductible and driver profile are the largest levers. Compare.com defines full coverage as $50,000 bodily injury per person, $100,000 per accident, $50,000 property damage, $1,000 collision and $1,000 comprehensive deductibles. Age, driving record, credit-based insurance score where allowed, mileage and ZIP code can move premium more than switching from LE to XLE. State requirements for uninsured motorist, personal injury protection and minimum liability also change total cost.

Compare 2026 Toyota Camry insurance rates for your trim and state

If you are shopping for a 2026 Toyota Camry, compare quotes for the same coverage limits, deductibles and driver profile across multiple insurers, including exact trim, front-wheel drive or all-wheel drive, and garaging ZIP code.

GET YOUR CAR INSURANCE QUOTES

What should drivers do now to get the right quote?

Use the same coverage and driver information for every quote so you compare the same risk.

Get quotes for exact trim and drivetrain
LE $148 versus XSE $182 monthly matters
Request quotes for LE, SE, Nightshade, XLE or XSE with front-wheel drive or all-wheel drive, identical liability limits and deductibles. Value differences up to $8,920 change potential payout.
Confirm Toyota Safety Sense 3.0 discounts
Pre-collision and blind-spot standard
Ask your insurer to confirm discounts for pre-collision braking with pedestrian detection and Blind Spot Monitor with Rear Cross-Traffic Alert, which are standard on all 2026 Camry trims.
Compare used gas versus new hybrid Camry
20 to 30 percent difference possible
If you consider a 2017 or 2018 gas Camry versus a 2026 hybrid, request quotes for both model years with same coverage to see the true insurance difference from value and sensors.
Check state and lender requirements
Uninsured motorist, PIP and loan rules
Verify your state minimums for uninsured motorist and personal injury protection, and review lender or lease requirements for collision and comprehensive and deductible limits before choosing higher deductibles.
Re-shop at renewal
More than $100 per month spread
Compare.com 2026 data shows USAA $93 versus Allstate $131 for the same Camry profile, a $38 per month gap that grows larger across all carriers.

What the data does not tell you

An estimate is not a personalized quote. The $2,889 per year and $225 per month averages are under stated assumptions and will differ by age, driving record, credit where allowed, annual mileage, ZIP code and insurer. One state average is not the United States average. Maine $1,756 and Louisiana $4,862 show why geography must stay separate.

Manufacturer suggested retail price is not a claim value. A 5-star National Highway Traffic Safety Administration rating and Top Safety Pick+ from the Insurance Institute for Highway Safety do not guarantee a discount, and a theft volume ranking from the National Insurance Crime Bureau is not a theft rate or a direct premium increase. This article provides general information, not legal or financial advice and not a personal quote. For complaints and official rules, contact your state insurance department.

Frequently Asked Questions About 2026 Toyota Camry Insurance

How much is full coverage insurance for a 2026 Toyota Camry?

A 2026 Toyota Camry averages $2,889 per year for full coverage, or $241 per month equivalent calculated as annual divided by 12, according to Insure.com 2026 data based on a 40-year-old male driver with clean record, good credit, 12-mile commute and 10,000 annual miles using Quadrant Information Services. Compare.com, updated October 28, 2026, reports $225 per month for full coverage and $122 for liability-only, based on real quotes from more than 100 partner insurers plus Quadrant filings.

Why is the 2026 Camry hybrid-only and does it affect insurance cost?

The 2026 Toyota Camry is a ninth-generation midsize sedan, redesigned for 2025 and carried over as hybrid-only. Every 2026 Camry uses a 2.5-liter four-cylinder with Toyota fifth-generation hybrid system for 225 horsepower front-wheel drive and 232 horsepower all-wheel drive. Hybrid versus gasoline insurance cost is similar under same assumptions according to 2026 analyses. Trim, all-wheel drive adding $1,525, and state rules move the number more than the hybrid badge, while Toyota Safety Sense 3.0 radar and camera units require calibration after a crash.

How much does Toyota Camry insurance vary by state and trim?

State variation is large for the same Camry. Insure.com 2026 data shows cheapest states Maine $1,756 per year $146 per month, Hawaii $1,757, Vermont $1,820, New Hampshire $1,865 and Ohio $1,901. Most expensive are Louisiana $4,862 $405, Michigan $4,103, Nevada $4,033, California $3,705 and Florida $3,616. Trim matters too. Penny Pincher, updated August 19, 2026, citing The Zebra and Insurify, lists LE Hybrid $78 minimum $148 full coverage monthly, SE $84 $160, Nightshade $87 $166, XLE $91 $176 and XSE $95 $182 based on a 40-year-old clean record.

What this means for the average driver

For most United States drivers, a 2026 Toyota Camry will cost close to the midsize sedan average, not at the low end of Toyota models, at about $2,889 per year full coverage with a realistic range of $175 to $225 per month. Choosing XLE or XSE over LE can add $200 to $400 per year in insurance, and living in Louisiana versus Maine can add more than $3,000 per year for the same coverage and driver profile.

What is not known yet from these averages is your exact ZIP code, credit tier where allowed, and insurer filing in effect at renewal. Those factors move the number more than trim alone and require a personalized quote with identical limits and deductibles.

How We Verified This

We verified 2026 Camry identity and United States status on Toyota.com and Plaza Toyota announcement October 27, 2026, showing hybrid-only powertrain 225 horsepower front-wheel drive 232 horsepower all-wheel drive and five trims. We confirmed safety with Insurance Institute for Highway Safety 2026 ratings for 2025-27 Camry as Top Safety Pick+ and National Highway Traffic Safety Administration 5 stars overall for 2025. We used Highway Loss Data Institute report WT-24 May 2025 for theft claim frequencies 64, 55 and 40 where 100 is average, and National Insurance Crime Bureau 2024 theft data via 2025 releases showing 9,833 thefts. Insurance estimates come from Insure.com $2,889 per year methodology 2026 and Compare.com October 28, 2026 methodology using real quotes plus Quadrant Information Services, plus Penny Pincher August 19, 2026 breakdowns.

Disclaimer: This article is for informational purposes only and is not professional insurance, legal or financial advice. Rates, rules and deadlines vary by insurer, state and driver, and can change. Confirm details with a licensed agent, your insurer or your state department of insurance before making a coverage decision.

Sources

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