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Compare quotes for Toyota Camry L car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Toyota Camry L owners is $3,046 a year. However, exact rates vary from model to model: for instance, the Camry Se Night Shade costs $254 more per year to insure than the Pickup 1/2 Ton Short Wheelbase Dlx

Toyota Camry L car insurance cost

One of the primary determining factors for your Toyota Camry L insurance rate is the age of your vehicle. Here's how much it costs to insure your Camry L by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Toyota Camry L , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Toyota Camry L

If you drive a Toyota, you probably put a high value on the things Toyota does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Toyota Camry L drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Aspire Advantage$3,482$1,385
National General$3,136$1,069
State Auto$2,755$903
Anchor General

Compare car insurance quotes for Toyota Camry L

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Toyota insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
May 16, 202376123TXFort WorthLucy N.52Progressive$2,520$1,296
April 1, 202293446CASan MiguelJeffery M.31National General$1,680$821
February 20, 202230606GAAthensBeatrice G.32Travelers$1,379$1,136
October 26, 202028144NCSalisburySallie C.38Nationwide$2,160$1,372
August 9, 202097267ORPortlandMathilda D.41Bristol West$3,600$1,990

Best car insurance companies for Toyota Camry L drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,049$898
Speeding over 15$3,490$991
Improper Passing$4,062$914
Speeding under 15$3,316$884
Passing School Bus$3,072$863
Failure to Obey Traffic Sign$3,472$820
Driving on Sus. License$3,176$817
Careless Driving$2,996$777

How much does Toyota Camry L insurance go up after a DUI?

If you get a DUI while driving your Camry L, you can expect your premium to increase by an average of 0%.

How much does Toyota Camry L insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Camry L, your insurance premium could increase by an average of 14%

Best Car Insurance for Toyota Camry L by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $8 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Toyota Camry L by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Toyota Camry L drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
April 1, 2022Toyota Camry L$140/mo.$68/mo.93446CAChad M.31National General
February 20, 2022Toyota Camry L$115/mo.$95/mo.30606GAAlice D.32Travelers
May 16, 2023Toyota Camry L$210/mo.$108/mo.76123TXJeanette S.52Progressive
October 26, 2020Toyota Camry L$180/mo.$114/mo.28144NCVerna M.38Nationwide
August 9, 2020Toyota Camry L$300/mo.$166/mo.97267ORPhoebe R.41Bristol West

Driving a Toyota Camry L

For a tried-and-true quality sedan, look no further than the Toyota Camry L. Car and Driver rated the 2020 Camry an 8.5/10. Additionally, the Camry L also holds an impressive five-star NHTSA rating and was one of the vehicles selected for IIHS's Top Safety Pick+ for 2018.As far as sedans go, the Camry is on the larger side, so it’s a great pick for families or those just wanting more cargo room in general. Plus, with a combined mpg of 34, you’ll get a great fuel economy for a gas-powered car. The 2020 Camry—the last year of the Camry L trim model—comes with an infotainment system with standard Android Auto and Apple CarPlay, so you’ll always be driving with your favorite soundtrack. And, as is with any car this reliable, you’ll want to be sure you have the right car insurance coverage.
If you own a Toyota Camry L , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Toyota Camry L new, it’s worth considering new car replacement insurance to protect your investment.
The best part? Quotes are always 100% free, and the average Jerry user saves over $800 a year on their car insurance!
Key Takeaway: The more your Toyota Camry L is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Toyota Camry L?

The average annual cost to insure a model is $3,046. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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