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Jerry Data & Research
Cheapest 2021 Toyota Camry Car Insurance (Apr 2024)
Cheapest 2021 Toyota Camry Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2021 Toyota Camry
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does car insurance cost for a 2021 Toyota Camry ?
- Compare the cheapest 2021 Toyota Camry car insurance quotes
- The best car insurance companies for 2021 Toyota Camry owners
- How expensive is 2021 Toyota Camry insurance compared to other years?
- Are 2021 Toyota Camrys expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2021 Toyota Camry ?
The average cost of car insurance for a 2021 Toyota Camry is $1,368 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2021 Toyota Camry are 27% more.
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2021 Toyota Camry, use Jerry
to get a detailed car insurance price comparison
. Compare the cheapest 2021 Toyota Camry car insurance quotes
Thousands of smart Toyota Camry drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $2,402 per year on car insurance. Below are cheap quotes Jerry found for 2021 Toyota Camry drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 28, 2024 | Bristol West | $311 | Justin, 25 | • State Minimum Liability • Comp / Collision | |
April 23, 2024 | Allstate | $147 | Julian, 30 | • 50,000/100,000 Liability • Comp / Collision | |
April 21, 2024 | Clearcover | $85 | Douglas, 36 | • State Minimum Liability • Comp / Collision | |
April 17, 2024 | State Auto | $224 | Sophia, 54 | • 100,000/300,000 Liability • Comp / Collision | |
April 12, 2024 | Mercury | $247 | Emma, 26 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 28, 2024However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2021 Toyota Camry owners
There’s no best company for all 2021 Toyota Camry drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well.
The table below shows how 2021 Toyota Camry drivers rated different insurance companies, plus the average cost of insuring a ‘21 Camry with each of those companies.
Insurance Company | Overall Rating | Average annual min liability | Average annual full coverage |
|---|---|---|---|
4.6 | $575 | $1,955 | |
4.6 | $780 | $2,197 | |
4.5 | $400 | $1,616 | |
4.4 | $1,367 | $2,970 | |
4.4 | $514 | $1,991 | |
4.3 | $657 | $2,043 | |
4.3 | $683 | $1,585 | |
4.2 | $1,308 | $2,144 | |
4.2 | $669 | $2,128 | |
4.2 | $719 | $1,734 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2021 Toyota Camry insurance costs
From working with lots of 2021 Toyota Camry drivers, we found that the average cost of minimum liability coverage is $114 per month, or $1,368 per year. The average cost for full coverage insurance for 2021 Toyota Camry drivers is $205 per month or $2,460 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $114 | $1,368 |
Full coverage | $205 | $2,460 |
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of liability insurance
. In some states, uninsured/underinsured motorist coverage
and/or personal injury protection
are also required by law. Full coverage car insurance
, on the other hand, includes collision
and comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more. Compare insurance information for other Toyotas
2021 Toyota Camry insurance costs by trim level
The cost of car insurance for a 2021 Toyota Camry is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2021 LE | $222 | $96 |
2021 SE | $198 | $132 |
2021 SE Night Shade | $218 | $172 |
2021 XSE | $203 | $126 |
How expensive is 2021 Toyota Camry insurance compared to other years?
Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage.
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old.
The table below compares the average insurance cost of a Toyota Camry manufactured in 2021 with that of older model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
1993 Toyota Camry | $87 | $183 |
1995 Toyota Camry | $109 | $111 |
1996 Toyota Camry | $96 | $108 |
1997 Toyota Camry | $87 | $131 |
1998 Toyota Camry | $91 | $153 |
1999 Toyota Camry | $96 | $104 |
2000 Toyota Camry | $94 | $137 |
2001 Toyota Camry | $92 | $161 |
2002 Toyota Camry | $105 | $154 |
2003 Toyota Camry | $96 | $178 |
2004 Toyota Camry | $96 | $165 |
2005 Toyota Camry | $100 | $157 |
2006 Toyota Camry | $100 | $147 |
2007 Toyota Camry | $101 | $170 |
2008 Toyota Camry | $94 | $176 |
2009 Toyota Camry | $102 | $153 |
2010 Toyota Camry | $92 | $173 |
2011 Toyota Camry | $97 | $162 |
2012 Toyota Camry | $102 | $173 |
2013 Toyota Camry | $93 | $172 |
2014 Toyota Camry | $98 | $190 |
2015 Toyota Camry | $103 | $183 |
2016 Toyota Camry | $98 | $191 |
2017 Toyota Camry | $101 | $183 |
2018 Toyota Camry | $97 | $197 |
2019 Toyota Camry | $100 | $208 |
2020 Toyota Camry | $107 | $210 |
2021 Toyota Camry | $114 | $205 |
2022 Toyota Camry | $105 | $221 |
2023 Toyota Camry | $134 | $252 |
Are 2021 Toyota Camrys expensive to insure?
On average, car insurance for a 2021 Toyota Camry costs $114. Compared with other models in a similar price range, it costs 27% more to insure a 2021 Toyota Camry.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2021 Jeep Gladiator | $93 | $172 |
2021 Buick Encore | $111 | $188 |
2021 Ford Edge | $112 | $180 |
2021 Chevrolet Malibu | $112 | $254 |
2021 Toyota Camry | $114 | $205 |
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
| Rating Type | Rating |
|---|---|
Driver's | |
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) |
What other factors affect 2021 Toyota Camry insurance rates?
Car insurance companies consider the following factors when generating quotes:
- The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle.
- Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety.
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years.
- Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.
2021 Toyota Camry insurance costs for young drivers
The Toyota Camry is a popular car with many young drivers—but don’t expect insurance to come cheap. Drivers between the ages of 16 and 25 pay some of the highest rates for car insurance.
Teen drivers
in particular can expect to pay high rates due to a high rate of accidents and violations. Here’s what teen and young adult drivers pay per month on average to insure a Toyota Camry:
Ages | Minimum liability | Full coverage |
|---|---|---|
< 18 | $334 | $529 |
18–21 | $242 | $558 |
2021 Toyota Camry insurance costs for senior drivers
On the other end of the spectrum,
senior drivers
typically enjoy some of the lowest rates for 2021 Toyota Camry insurance. That’s because drivers over age 55 have more experience than just about anyone else on the road.
The catch: around your mid-70s, you’ll likely see your car insurance rates start to climb again due to increased driver error and a higher likelihood of serious injuries.
Here’s what drivers age 55 and up pay monthly on average to insure a Toyota Camry:
Ages | Minimum liability | Full coverage |
|---|---|---|
55–64 | $124 | $242 |
65 + | $106 | $206 |
2021 Toyota Camry insurance cost for drivers with driving violations
Speeding, DUIs, and at-fault accidents aren’t the only incidents on your driving record that can raise rates.
Here’s what Toyota Camry drivers paid on average after a violation:
Violation | Average annual insurance cost |
|---|---|
Minor speeding violation (20 mph or less over speed limit) | $2,236 |
Failure to obey signal | $2,645 |
Driving on a suspended license | $2,713 |
Major speeding violation (21+ over speed limit) | $4,016 |
Careless/Reckless driving | $5,070 |
How can I lower the cost of insurance for my 2021 Toyota Camry?
Smart shopping strategies
and car insurance discounts
can help you lower the cost of coverage for a 2021 Toyota Camry. Here’s how: - Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.Jerrymakes the comparison process quick and easy!
- Use a broker: Unlike captive agents and even most independent agents,car insurance brokersearn commissions without adding to your insurance costs or pushing you towards a more expensive policy.
- Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.Home and auto bundlessave drivers an average of 15% or more!
- Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle!
- Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
