Auto ACV

Toyota Camry Total Loss Appraisal

Camry comp pools are deep nationally but sedan demand is region-specific. State-anchored comps materially change the number in Sunbelt and West Coast markets. Average Auto ACV recovery on this model: +$1,400–$3,200.

Body type
Mid-size sedan
Typical ACV
$14,000–$30,000
Typical mileage
50,000–95,000 mi
Avg recovery
+$1,400–$3,200

Factory options insurers miss

  • XSE
  • TRD package
  • Hybrid drivetrain
  • JBL audio + nav package
  • Cold-Weather Package

Valuation pitfalls

  • LE vs SE vs XLE vs XSE trim collapse is the most common pitfall
  • Hybrid Camry premium of $1,500–$2,500 often dropped
  • 2.5L vs 3.5L V6 engine miscoding occurs on XLE/XSE V6 trims
  • TRD trim (2020+) is a specialty model with its own comp set — frequently lumped with SE

Toyota Camry — pick your state

State-specific guides for Toyota Camry total-loss claims, with local threshold, statute, and ACV market notes.