Toyota Avalon Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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U.S. average insurance rates for a Toyota Avalon Hybrid are $1,334 a year including full coverage. Comprehensive costs on average $270 a year, collision costs $540, and liability is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $2,906. 16-year-old drivers pay the highest rates at $4,984 a year or more.
Average premium for full coverage: $1,334
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Avalon Hybrid trim levels.
Price Range from Low to High
For an average driver, Toyota Avalon Hybrid insurance prices go from the low end price of $434 for minimum levels of liability insurance to a high of $2,906 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on rate averages.
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.
Additional Rate Details
The chart below breaks down estimated Toyota Avalon Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $753
- Raising to $1,000 deductibles will save around $1,152 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,334
- Buying low $100 deductibles bumps up the cost to $1,694
- Drivers with multiple tickets or accidents could pay upwards of $2,906 or more
- The price that insures a 16-year-old driver may cost $4,984
Auto insurance prices for a Toyota Avalon Hybrid are also quite variable based on the trim level of your Avalon Hybrid, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Toyota Avalon Hybrid insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,900 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $550 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.
| 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 Find the Right Toyota Avalon Hybrid Insurance
Getting lower rates on insurance for a Toyota Avalon Hybrid consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Comparison shop every time your policy renews by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a quick rundown of the information covered in the above illustrations.
- You may be able to save as much as $160 per year simply by quoting early and online
- Teenage drivers are charged the highest prices, possibly costing $415 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $550 each year
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,570 more each year for auto insurance
- Insureds who require higher levels of liability will pay around $430 per year to raise from a low limit to the 250/500 level
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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