How much is Toyota Camry insurance in Michigan?
For the driver profile in our methodology, a 2024 Toyota Camry costs between $74/mo at the state minimum and $418/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $74 – $124 | $888 – $1,488 |
| Liability Only | Higher limits; still nothing for your car | $89 – $149 | $1,068 – $1,788 |
| Full CoverageMost owners | Adds damage to your Camry, theft, glass | $213 – $354 | $2,556 – $4,248 |
| Full Coverage + Low DeductibleYou’re viewing this tier | Same, with less out of pocket per claim | $251 – $418 | $3,012 – $5,016 |
What full coverage + low deductible includes
- Everything in full coverage, still above 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)
- $250 deductible on comprehensive and collision (vs $500 on the standard full-coverage tier)
- Uninsured/underinsured motorist — not listed as part of the state minimum here
- Personal injury protection at the Michigan required minimum
What Michigan requires to drive a Camry
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) as the liability floor. That is what makes a Camry legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)
- Fault system
- Michigan is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
Camry insurance cost by model year
Newer models cost more to insure — a 2024 Camry runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $213 – $354 | $89 – $149 | — |
| 2023 | $202 – $336 | $88 – $148 | −5% |
| 2022 | $194 – $322 | $87 – $146 | −9% |
| 2021 | $185 – $308 | $85 – $143 | −13% |
| 2020 | $177 – $294 | $84 – $140 | −17% |
Camry vs. comparable vehicles
How the Camry stacks up against the vehicles shoppers most often cross-shop it with — the Chevrolet Malibu insures for about 5% less in Michigan. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Camry | Why it differs |
|---|---|---|---|
| Toyota Camry | $213 – $354 | — | Below-average claim severity |
| Honda Accord | $239 – $398 | +12% | Accord's top-10 theft rank loads its comprehensive premium. |
| Nissan Altima | $224 – $373 | +5% | Altima's claim-frequency history prices it above the Camry in most states. |
| Chevrolet Malibu | $202 – $337 | −5% | Malibu's bargain parts keep it close despite weaker crash-test resale. |
Camry insurance cost by Michigan city
Detroit drivers pay about 30% above the state average while Grand Rapids runs 6% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. MI average |
|---|---|---|
| Detroit | $277 – $460 | +30% |
| Warren | $239 – $396 | +12% |
| Flint | $234 – $389 | +10% |
| Ann Arbor | $209 – $347 | −2% |
| Grand Rapids | $200 – $333 | −6% |
Why Camry insurance costs what it costs
The low-deductible tier on a 2024 Toyota Camry in Michigan is full coverage with the comprehensive and collision deductible cut from $500 to $250. Nothing about Michigan's 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) floor changes — you are buying a smaller out-of-pocket on a first-party claim.
The Camry is a sedan in the mainstream MSRP tier, with below-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It also carries NICB Hot Wheels rank #32, which our model applies as a comprehensive surcharge.
This tier is the same stack as standard full coverage, with the first-dollar share shifted toward the carrier. The model prices that shift at 18% ($213 – $354 → $251 – $418), which is a filed-shape assumption, not a quote.
Detroit is modeled 30% above the MI average ($277 – $460/mo full coverage on this Camry); Grand Rapids is modeled 6% below at $200 – $333. Those city factors scale the same band as the hero — they are not a second rate file.
What the model knows about this Camry
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #32On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- mainstreamReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- lowClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage + low deductible the right tier for you?
- You would rather pay $251 – $418 than keep $500 liquid for a claim
- Repair bills on this vehicle tend to clear a $500 deductible in one visit
- You are already buying full coverage and want the first-dollar piece smaller
- You already keep $500 available and file claims rarely — the 18% modeled bump may not earn back
- You would rather put the $251 – $418 vs $213 – $354 difference into higher liability limits
- The Camry is near the end of its useful life and you are about to drop collision anyway
$500 vs $250 deductible on a Camry
On a Camry this model prices a $250 deductible at $38–$64/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverage | $500 | $213 – $354 | $2,556–$4,248 | Default first-party deductible in this model |
| Low-deductible full coverageYou’re viewing this tier | $250 | $251 – $418 | $3,012–$5,016 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full + low deductible coverage
These are typical market add-ons, not Michigan mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this Camry is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed MI rate.
- Loan/lease payoff (gap)
New or financed Toyota Camry: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a sedan you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote Michigan
These are carriers we have real logos for and that commonly quote Michigan. We do not publish a per-carrier Camry price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Camry rate
- Raise your deductible to $1,000. On a Camry premium this is the single biggest lever you control directly.Saves ~$23–$42/mo
- Shop at least three carriers. Rates for the identical Camry profile differ by 2x or more between carriers in Michigan.Saves up to $1,000+/yr
- Right-size your PIP. Michigan is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Add an anti-theft device. The Camry is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Michigan Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Toyota Camry insurance in Michigan: FAQ
01How much more is the $250 deductible on a Camry in Michigan?
This model prices it 18% above the $500-deductible full-coverage band: $213 – $354 → $251 – $418. That 18% is a file assumption (see methodology), not a carrier filing we scraped.
02What does Michigan actually require to drive a Camry?
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $213 – $354 for a 2024 Toyota Camry.
03Does Camry insurance cost more in Detroit than in Grand Rapids?
In this model, yes — Detroit is 30% vs the MI average ($277 – $460/mo full coverage) and Grand Rapids is -6% ($200 – $333). Same 2024 Toyota Camry, same driver profile; only the city factor changes.
04Does the Camry's NICB rank change this Michigan premium?
Our model applies a comprehensive surcharge when a vehicle is on the NICB top-100 list. The Camry is rank #32. That is a modeled modifier, not a carrier’s filed theft factor for your ZIP.
05When does dropping collision on an older Camry in Michigan make sense?
When the car’s actual cash value is no longer worth a modeled $2,556–$4,248 a year in full coverage. A common rule of thumb is to drop first-party coverages when 10× the annual premium exceeds the car’s value — keep the liability portion either way. Michigan still wants 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) on the road.
