About $352 for the glass fitted, and about $512 once you allow for the camera re-aim this model usually needs. Those are live quotes from shops that will actually do the job, not a national average.
| Metro | Cheapest live quote | Market average | Market range |
|---|---|---|---|
| Columbus, Ohio | $352 | $603 | $240–$1,628 |
| Phoenix, Arizona | $343 | $577 | $210–$1,720 |
| Dallas, Texas | $360 | $594 | $206–$1,942 |
Pulled August 17, 2026, 2021 model year, windshield only, excluding the camera re-aim. Quotes cover the least costly glass that fits at a basic trim level; seals and extra trim can add to it.
If your car has a forward camera mounted behind the rear-view mirror, it has to be re-aimed after new glass goes in, and that is a separate charge of roughly $290. For the Camry we put it at about 72%, which is a real possibility rather than a certainty.
That is why the honest number for this car is $512 rather than $352. Industry-wide the odds run from about 25% of 2016 cars to about 89% of 2023 cars, so the year matters more than almost anything else.
At $512 all in, here is how it lands against the common deductibles, assuming no state glass waiver and no rate rise:
| Your deductible | Insurance would pay | Better move |
|---|---|---|
| $100 | $412 | Use insurance |
| $250 | $262 | Use insurance |
| $500 | $12 | Too close to call |
| $1,000 | $0 | Pay cash |
The pattern is the one people get wrong: a high deductible does not mean insurance pays a little, it often means insurance pays nothing, and filing puts a claim on your record for no money back. On this car a $1,000 deductible is exactly that case.
Three states waive the glass deductible entirely, which flips the answer. Check your state's glass rule, and if you are worried about the after-effects, will a claim raise my rates covers what is actually knowable.
Run these numbers for your own ZIP and deductible
Opens the calculator with the Toyota Camry already filled in. Free, no phone number or email.
Priced the same day in the same metro, so the difference is the vehicle rather than the market:
All twelve vehicles side by side · Does insurance cover windshield replacement?
Prices come from a market band for this exact vehicle by its NAGS glass identifier plus competing quotes from local shops, the same live sources the calculator uses. The camera re-aim figure is our own estimate, not a shop quote, because neither pricing source returns one; it is anchored to an auto glass industry average of roughly $252 per calibration in 2022 reported via glassBYTEs, carried forward. Fitment rates by model year are from the same analysis of 10,000+ windshield lookups. If you request quotes through this site, Glass.net pays us a referral fee, the same fee whichever way our answer goes.