Toyota Avalon Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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Estimated auto insurance rates for a Toyota Avalon Hybrid are $1,334 annually with full coverage. Comprehensive costs an estimated $270 each year, collision costs $540, and liability costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing around $2,906. Teenage drivers pay the most at $4,984 a year or more.
Average premium for full coverage: $1,334
Premium estimates broken down by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Avalon Hybrid models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota Avalon Hybrid go from as cheap as $434 for your basic liability-only policy to a high rate of $2,906 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Toyota Avalon Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $753
- Drivers who choose higher $1,000 deductibles will pay approximately $182 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,334
- Using low deductibles for comprehensive and collision insurance will cost $1,694
- Drivers who are prone to accidents and violations could pay up to $2,906 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,984 a year
Insurance prices for a Toyota Avalon Hybrid also have a wide range based on the model of your Avalon Hybrid, your driving record, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $550 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota Avalon Hybrid insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$130 | -9.7% |
| Alaska | $1,020 | -$314 | -23.5% |
| Arizona | $1,106 | -$228 | -17.1% |
| Arkansas | $1,334 | -$0 | 0.0% |
| California | $1,520 | $186 | 13.9% |
| Colorado | $1,272 | -$62 | -4.6% |
| Connecticut | $1,370 | $36 | 2.7% |
| Delaware | $1,508 | $174 | 13.0% |
| Florida | $1,666 | $332 | 24.9% |
| Georgia | $1,234 | -$100 | -7.5% |
| Hawaii | $958 | -$376 | -28.2% |
| Idaho | $902 | -$432 | -32.4% |
| Illinois | $992 | -$342 | -25.6% |
| Indiana | $1,006 | -$328 | -24.6% |
| Iowa | $898 | -$436 | -32.7% |
| Kansas | $1,266 | -$68 | -5.1% |
| Kentucky | $1,818 | $484 | 36.3% |
| Louisiana | $1,974 | $640 | 48.0% |
| Maine | $822 | -$512 | -38.4% |
| Maryland | $1,100 | -$234 | -17.5% |
| Massachusetts | $1,064 | -$270 | -20.2% |
| Michigan | $2,312 | $978 | 73.3% |
| Minnesota | $1,116 | -$218 | -16.3% |
| Mississippi | $1,598 | $264 | 19.8% |
| Missouri | $1,184 | -$150 | -11.2% |
| Montana | $1,430 | $96 | 7.2% |
| Nebraska | $1,050 | -$284 | -21.3% |
| Nevada | $1,598 | $264 | 19.8% |
| New Hampshire | $962 | -$372 | -27.9% |
| New Jersey | $1,490 | $156 | 11.7% |
| New Mexico | $1,178 | -$156 | -11.7% |
| New York | $1,402 | $68 | 5.1% |
| North Carolina | $768 | -$566 | -42.4% |
| North Dakota | $1,090 | -$244 | -18.3% |
| Ohio | $918 | -$416 | -31.2% |
| Oklahoma | $1,366 | $32 | 2.4% |
| Oregon | $1,222 | -$112 | -8.4% |
| Pennsylvania | $1,272 | -$62 | -4.6% |
| Rhode Island | $1,776 | $442 | 33.1% |
| South Carolina | $1,208 | -$126 | -9.4% |
| South Dakota | $1,124 | -$210 | -15.7% |
| Tennessee | $1,164 | -$170 | -12.7% |
| Texas | $1,606 | $272 | 20.4% |
| Utah | $986 | -$348 | -26.1% |
| Vermont | $910 | -$424 | -31.8% |
| Virginia | $798 | -$536 | -40.2% |
| Washington | $1,028 | -$306 | -22.9% |
| West Virginia | $1,224 | -$110 | -8.2% |
| Wisconsin | $920 | -$414 | -31.0% |
| Wyoming | $1,186 | -$148 | -11.1% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon Hybrid | $332 | $686 | $338 | $1,492 |
| 2021 Toyota Avalon Hybrid | $320 | $668 | $354 | $1,478 |
| 2020 Toyota Avalon Hybrid | $310 | $640 | $364 | $1,450 |
| 2019 Toyota Avalon Hybrid | $292 | $618 | $376 | $1,422 |
| 2018 Toyota Avalon Hybrid | $282 | $574 | $384 | $1,376 |
| 2017 Toyota Avalon Hybrid | $270 | $540 | $388 | $1,334 |
| 2016 Toyota Avalon Hybrid | $258 | $484 | $390 | $1,268 |
Rates are averaged for all Toyota Avalon Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Toyota Avalon Hybrid Insurance
Finding better rates on insurance for a Toyota Avalon Hybrid not only requires avoiding accidents and violations, but also having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.
The list below is a recap of the car insurance concepts covered above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,570 more annually for car insurance
- You may be able to save approximately $160 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $550 each year
- Insureds who want higher liability limits will pay an extra $430 every year to go from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $3,100 |
| 30 | $1,392 |
| 40 | $1,334 |
| 50 | $1,220 |
| 60 | $1,200 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,526 |
| $500 | $1,334 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,334 |
| 50/100 | $1,412 |
| 100/300 | $1,509 |
| 250/500 | $1,761 |
| 100 CSL | $1,450 |
| 300 CSL | $1,664 |
| 500 CSL | $1,819 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,134 |
| 20 | $4,942 |
| 30 | $2,970 |
| 40 | $2,906 |
| 50 | $2,772 |
| 60 | $2,750 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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