Toyota Camry Insurance Costs in New York
The Toyota Camry is one of the most affordable mid-size sedans to insure in America. Its excellent NHTSA 5-star safety rating, low theft rate, and widespread parts availability all push premiums below the segment average. Camry owners typically pay 8–15% less than comparable mid-size sedan drivers.
Toyota Camry Insurance Tips
Toyota Camry insurance is 8–15% below the mid-size sedan average due to superior safety ratings and low repair costs
Parts are widely available at both OEM dealers and independent shops, keeping labor and parts costs low
The Camry Hybrid qualifies for multi-policy and green vehicle discounts at many insurers
Low theft rate nationally helps keep comprehensive premiums well below the segment average
Toyota Camry Insurance Rates by State
Full coverage, standard driver profile (35 yr, 12K miles/yr, 10 yrs experience). Click any state for a detailed breakdown.
How to Get the Cheapest Toyota Camry Insurance Rate
Compare at least 5 quotes
Rates for the same Toyota Camry driver profile vary $400–$1,200/year between insurers. Always compare GEICO, Progressive, State Farm, Erie, and your local regional insurer.
Bundle home and auto
Most insurers offer 10–25% multi-policy discounts. Bundling your Toyota Camry with homeowners or renters insurance typically saves $180–$400/year.
Raise your deductible
Moving from a $500 to $1,000 deductible saves $150–$350/year. Only do this if you can comfortably cover $1,000 out-of-pocket after a claim.
Ask about safety technology discounts
The Toyota Camry's safety features (automatic emergency braking, lane assist) qualify for ADAS discounts of 5–12% at most major insurers. Confirm this discount is applied to your quote.
Maintain a clean driving record
A single at-fault accident adds 25–45% to your premium for 3–5 years. The single most impactful long-term strategy for low insurance costs is accident avoidance.