Our New 2025 Toyota Camry Insurance Costs MORE Than Our BMW...

Our 2025 Toyota Camry is More Expensive to Insure than our BMW!

After getting our brand new 2025 Toyota Camry, we were surprised at how expensive the insurance estimates were! So, today we dive into the numbers and try and figure out why! Is it more than a car related issue? Go ahead: CLICK to find out :) Also, be sure to LIKE, SUBSCRIBE and tap the notification bell if you enjoyed this review -- it helps us more than you can imagine!
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0:00 Intro
0:26 Numbers Breakdown
1:30 Understanding Why
4:01 Potential Reasons
5:38 Things to Keep in Mind

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“Sampling the Latest Automotive Delicacies!”

[mark]

You guys are trying to rationalize the new premium but, there’s nothing rational about it. Your insurance company just took the opportunity to raise your rate and increase their profit because they can! And it’s not you (you guys did nothing wrong), the insurance companies are doing this to all of us.

[panzer_TZ]

I always take into account insurance costs when cross shopping cars. Some insight from the last time I was car shopping: Insurance quotes were consistently $100-$150/month higher for EVERY hybrid variant over a gas variant of the same car. I also noticed that sedans were significantly more expensive versus a CUV. A base model LE gas Camry was more expensive to insurance than a Lexus NX 350. This is one reason why going Hybrid isn't all sunshine and rainbows.

[BusterKitten]

because your insurance company knows you guys like to make donuts with your cars🤣🤣🤣🤣🤣

[ctclardy]

If you have a Costco membership try their auto insurance. Mine is considerably lower than my previous insurance company.

[digressor]

Nice if you can include insurance costs with your reviews. I was shocked as well with the insurance rate of the Honda Pilot as they are 32% more expensive than its competitors.

Keep the great Camry content coming!

[tariqbani]

I purchased 2024 Prius prime XSE earlier this year. I was shocked when I insured the car. $3820 CAD for one year. I sold the car after 5 month of owning just because that car was coasting more than any other vehicles i owned. I purchased to save some money on gas and everything but my coasts went higher. Better to keep older cars. Cheaper to insure and maintain.

[zzliu]

The insurance company is just raising rates whatsoever. I believe when you renew your BMW, it will increase as well, probably higher than the Camry then.

[sunlover]

I always get an insurance quote when shopping for new vehicles. Just send your insurance company the vehicle (or a similar vehicles) VIN, and they can quote you no problem.

[chunlohk]

Because hybrid has battery plus engine. Two power sources more costly if it breaks down … my insurance agent told me to avoid ev and hybrid if you want to drive the insurance cost down

[josephpayton]

Im glad I watched this video completely because this is something i’ll take into consideration when I get my first car. So I thank you guys for making this video 🙏.

[uwchqre]

I think you forgot to factor in the "CG" factor (Corporate Greed).

[brokeboy]

Hybrid and EV cars are more expensive in insurance for some reasons. Spending $1800 per year on insurance is absurd.

[TylerTheCompiler]

Love these Camry updates keep em coming! Hoping the 2026 XSE gets memory seats.

[peterpete]

$1800 for insurance for a year is a dream in Canada. We pay at least twice as much if your driving records are clean. Insurance companies are the real governments. Nobody knows how they work and there is no way you can get rid of them.

[whatwhome]

I am thinking it is all about the hybrid repair costs and the theft rate. I doubt the safety factor has much to do with the higher insurance cost.

[alanmartins]

Why is that? Camry is stolen more than BMW's?

[Inobscurity-nj]

Prime example. When you attempt to do something positive somebody will be there to make you pay. Government. Private industry. Or both. I am surprise your HOA is not harassing you for having two cars.

[SenecaRaine]

Is it because it's the hybrid model? I've called my insurance agent and they've been pretty good about explaining the reason different vehicles are higher.

[LonnieC]

Hi guys. Long time viewer, first-time commenter. I think, you actually left out the most probable reason, for the difference in insurance rates between the two vehicles. The Camry probably has a higher theft rate, as do many Toyota's.

[BowlerActuary]

Actuary here.

A big factor is indeed sedan vs SUV. The hybrid-ness, not so much. Run a quote on a RAV4 Hybrid and that will disprove the theory. However, Camry drivers do seem to pay more than other sedans for sure.

Rates come from historical records on those types of vehicles, combined with driving history and other rating variables. My big theory is the common ownership of a Camry and lots of experience of wrecks from those with a Camry (I would guess an Accord/Accord Hybrid would also be expensive to insure). Why specifically the Camry would need more of an in-depth look, but I don’t do auto Actuarial work.