Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Aug 14, 2019

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For the 2012 model year, Toyota will be offering up two versions of its popular Camry Hybrid. There’s the 2012 Camry Hybrid LE, which starts at $25,900 and gets 43 city/39 highway mpg, and there’s also the Toyota Camry Hybrid XLE, which starts at $27,400 and delivers 40 city/38 highway mpg.

Besides price and fuel economy, the major difference between these two vehicles is their tech features. While the LE’s list of standard gadgets will be sufficient for most consumers, the XLE is equipped with a premium navigation system, a 6.1-inch touch screen, and Bluetooth connectivity.

You can upgrade your XLE further with an optional tech package that includes Etune and satellite radio.

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Toyota Camry Hybrid Review

Among hybrid cars, the 2011 Toyota Camry Hybrid is ranked in the middle of the pack among its competition.

The Chevy Volt and the Ford Fusion Hybrid tend to rank higher by some reviewers and the Toyota Prius was selected as the “2011 Best Hybrid Car for the Money” by U.S. News. The 2012 Toyota Camry Hybrid hasn’t been rated yet, but it’s been redesigned since 2011, so its ranking could go up or down.

For the important cost of ownership information about the 2012 Toyota Camry Hybrid, including auto insurance rates, continue reading.

2012 Camry Hybrid Auto Insurance

NADA has calculated that the typical 2012 Camry Hybrid driver will pay $5,769 in auto insurance premiums after five years of ownership. That works out to an annual car insurance premium of $1,154, or a monthly auto insurance bill of $96.

One of the most affordable hybrids when it comes to auto insurance premiums is the Honda Civic Hybrid, which will only cost about $1,109 annually to insure.

According to the NADA, most other hybrids are more expensive than the 2012 Camry Hybrid when it comes to auto insurance rates. For instance, the estimated annual rate for the Nissan Altima Hybrid is $1,268, and Chevrolet Volt drivers are projected to pay $1,373 annually for insurance coverage.

To insure a Ford Fusion Hybrid for one year, the typical driver pays about $1,483, and the Hyundai Sonata Hybrid should cost just under $1,600 a year to insure. Toyota Prius auto insurance will cost most owners around $1,600 each year.

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Toyota Camry Hybrid Repair Bills

If you’re like most drivers, you’ll pay nothing in repair bills during the first two years that you own your 2012 Toyota Camry Hybrid, reports the NADA. However, the vehicle’s 3-year/36,000 mile limited warranty will expire early in the third year of ownership, and you’ll owe roughly $325 in repair costs.

For the Camry Hybrid’s fourth-year repair costs, you’ll pay about $541, and the average repair cost is identical for the fifth year.

When you total up the 2012 Camry Hybrid’s repair bills for the first five years that you own it, you’re likely to have spent about $1,406.

That’s roughly the same as what you’ll pay for five years of Nissan Altima Hybrid repairs, and it’s just a bit less than what the average driver pays for Honda Civic Hybrid repair costs. Drivers of the 2012 Ford Fusion Hybrid are projected to pay $1,774 over five years for repairs.

2012 Camry Hybrid Maintenance Expenses

The NADA reports that there are not any maintenance costs for the typical Camry Hybrid during the first year that it’s on the road, and scheduled service expenses will total just $98 during the second year.

However, this vehicle’s third-year scheduled maintenance bill could be quite a shock, at $1,115. Routine maintenance costs for years four and five will be much more reasonable, at $343 and $157, respectively.

All of these annual bills will sum up to about $1,713 after your 2012 Camry Hybrid is five years old, which makes it one of the least expensive hybrids to maintain.

The Civic Hybrid’s 5-year maintenance costs are expected to total $2,000, and the scheduled service costs for the Chevrolet Volt will be around $2,300, the NADA reports.

For five years’ worth of maintenance for the 2012 Ford Fusion Hybrid, you’ll shell out around $2,382, and you’ll pay about $2,622 to maintain a Nissan Altima Hybrid for five years.

The Hyundai Sonata Hybrid is one of the most expensive hybrids to maintain, with estimated 5-year costs approaching $3,000.

2012 Camry Hybrid Safety Ratings

The 2012 Camry line-up hasn’t undergone any safety testing yet, and since it has been revamped since last year, its 2011 safety ratings aren’t as strong an indicator of its future performance.

However, the 2011 Camry, including the hybrid model, earned top Insurance Institute for Highway Safety (IIHS) scores in front and side-impact collision testing, as well as rollover testing. The only area in which it stumbled was the rear impact test, in which it earned a score of “Marginal.”

2012 Camry Hybrid Fuel Economy

One thing that reviewers like about the Camry Hybrid is that it doesn’t cost a lot more than the gas-powered model. The base model 2012 Camry starts at $21,995, which is just $3,905 less than the hybrid.

According to the Environmental Protection Agency (EPA), the 2012 Camry with the base 2.5 liter engine gets combined city/highway fuel economy of 28 mpg.

The EPA estimates that the typical driver will pay $1,837 per year in fuel costs for this vehicle. Though data isn’t out yet for the 2012 Camry Hybrid, the 2011 model gets 33 mpg combined fuel economy, which means you’ll spend about $1,559 per year on gas.

Given its fuel-cost savings of about $278 per year, you’d need to drive this hybrid for 14 years to make up the price difference.

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