Toyota Matrix S 2WD Insurance Rates

Average auto insurance rates for a Toyota Matrix S 2WD are $1,378 annually including full coverage. Comprehensive costs approximately $284 each year, collision costs $572, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,992. Teenage drivers receive the highest rates at $5,132 a year or more.

Annual premium for full coverage: $1,378

Rate estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Matrix Trim Level

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These differences highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Matrix S 2WD can also vary considerably based on the model year of your Matrix, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $580 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Matrix S 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different between companies.

View Chart as Image

The chart above shows average Toyota Matrix S 2WD insurance prices for different situations. The lowest price with discounts is $787. Drivers who use higher $1,000 deductibles will pay about $1,184. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,378. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,758. Drivers with multiple violations and accidents could be charged as much as $2,992. The policy rate for full coverage insurance for a teenager can be as high as $5,132.

View Chart as Image