Toyota Avalon Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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Average auto insurance rates for a Toyota Avalon Hybrid are $1,334 annually with full coverage. Comprehensive insurance costs on average $270 each year, collision costs $540, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $2,906 or more. 16-year-old drivers receive the highest rates at $4,984 a year or more.
Average premium for full coverage: $1,334
Rate estimates by individual coverage type:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Avalon Hybrid models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $434 for basic liability insurance to a high rate of $2,906 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities.
The graphic below illustrates how your location can change car insurance rates.
These examples demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below details estimated Toyota Avalon Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $753
- Using higher $1,000 deductibles will save around $182 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,334
- Buying low deductibles for physical damage coverage costs an additional $360 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,906 or more
- The cost with full coverage for a teen driver may cost $4,984 or more
Insurance rates for a Toyota Avalon Hybrid can also vary considerably based on the trim level of your Avalon Hybrid, your driving record, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $550 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Avalon Hybrid insurance prices. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.
| 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 so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates can be significantly 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 Cheap Toyota Avalon Hybrid Insurance
Saving money on car insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every other renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief summary of the concepts that were illustrated above.
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,570 more each year for Avalon Hybrid insurance
- Teens pay higher rates, with premiums as much as $415 per month if they have full coverage
- You may be able to save as much as $160 per year simply by quoting online in advance
- Increasing deductibles could save up to $550 each year
- You may be able to save as much as $160 per year simply by quoting online in advance
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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