Toyota Camry Insurance Cost in New York
Official 2026 rate study for insuring a Toyota Camry in New York (NY). Compare full coverage against state minimum liability (25/50/10), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Toyota Camry in New York (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 New York Auto Insurance Index)
Toyota Camry Rates by Model Year in New York
Depreciation schedule calculated for New York insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $2,077 | $173/mo | $73/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,999 | $167/mo | $73/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,925 | $160/mo | $74/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,857 | $155/mo | $75/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,793 | $149/mo | $76/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,733 | $144/mo | $76/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,677 | $140/mo | $77/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,625 | $135/mo | $78/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,576 | $131/mo | $79/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,530 | $128/mo | $79/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,487 | $124/mo | $80/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,447 | $121/mo | $81/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,410 | $118/mo | $81/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,375 | $115/mo | $82/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,342 | $112/mo | $83/mo | -35% | Consider 10% Rule (Liability Only) |
Toyota Camry Rates by Driver Age in New York
Actuarial loss-cost surcharges and discounts applied by New York carriers based on driver experience.
Estimated Quotes by Carrier: Toyota Camry in New York
Sample underwriting benchmarks across major carriers serving New York drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $178/mo | $2,136/yr | |
| Progressive | A+ | $187/mo | $2,244/yr | |
| GEICO | A++ | $176/mo | $2,112/yr | |
| Allstate | A+ | $156/mo | $1,872/yr |
Frequently Asked Questions: Toyota Camry Insurance in New York
How much does it cost to insure a Toyota Camry in New York? ▾
Full-coverage car insurance for a Toyota Camry in New York averages approximately $173 per month ($2,077 per year). Drivers opting for statutory state minimum liability (25/50/10) pay approximately $73 per month ($872 per year).
Is Toyota Camry insurance cheaper or more expensive in New York? ▾
The Toyota Camry is approximately 27.1% cheaper than the statewide average vehicle insurance rate of $2,850/year in New York. Its Low actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Toyota Camry in New York? ▾
Under New York insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage liability (25/50/10), plus mandatory Personal Injury Protection (PIP) of at least $50,000.
How much does a 16-year-old pay to insure a Toyota Camry in New York? ▾
A 16-year-old teen driver on a standalone policy pays approximately $433/month ($5,193/year) for full coverage in New York. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Toyota Camry in New York? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In New York, this typically occurs around model year 2018 or older.
Compare Toyota Camry Insurance Across Other States
See how insurance rates for the Toyota Camry vary across different state statutory jurisdictions.