Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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Average auto insurance rates for a Toyota Avalon Hybrid are $1,268 annually for full coverage. Comprehensive costs approximately $258, collision costs $484, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, with high-risk insurance costing around $2,758. Teenage drivers receive the highest rates at $4,770 a year or more.
Average premium for full coverage: $1,268
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Avalon Hybrid trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $438 for just the minimum liability insurance to a much higher rate of $2,758 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying 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.
Additional Rate Analysis
The chart below shows estimated Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $724
- Choosing higher $1,000 deductibles can save $168 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,268
- Using more expensive low deductibles for comp and collision coverage will cost $1,598
- High-risk insureds who are prone to accidents and violations could pay around $2,758 or more
- The cost with full coverage for a teen driver with full coverage can cost $4,770 each year
Insurance rates for a Toyota Avalon Hybrid can also vary considerably based on the trim level of your Avalon Hybrid, your driver profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $500 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Avalon Hybrid insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$120 | -9.5% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,304 | $36 | 2.8% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,586 | $318 | 25.1% |
| Georgia | $1,174 | -$94 | -7.4% |
| Hawaii | $912 | -$356 | -28.1% |
| Idaho | $860 | -$408 | -32.2% |
| Illinois | $946 | -$322 | -25.4% |
| Indiana | $958 | -$310 | -24.4% |
| Iowa | $856 | -$412 | -32.5% |
| Kansas | $1,206 | -$62 | -4.9% |
| Kentucky | $1,732 | $464 | 36.6% |
| Louisiana | $1,878 | $610 | 48.1% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,048 | -$220 | -17.4% |
| Massachusetts | $1,012 | -$256 | -20.2% |
| Michigan | $2,204 | $936 | 73.8% |
| Minnesota | $1,064 | -$204 | -16.1% |
| Mississippi | $1,520 | $252 | 19.9% |
| Missouri | $1,128 | -$140 | -11.0% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $1,000 | -$268 | -21.1% |
| Nevada | $1,522 | $254 | 20.0% |
| New Hampshire | $916 | -$352 | -27.8% |
| New Jersey | $1,418 | $150 | 11.8% |
| New Mexico | $1,124 | -$144 | -11.4% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,040 | -$228 | -18.0% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,304 | $36 | 2.8% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,692 | $424 | 33.4% |
| South Carolina | $1,150 | -$118 | -9.3% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,110 | -$158 | -12.5% |
| Texas | $1,530 | $262 | 20.7% |
| Utah | $940 | -$328 | -25.9% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $760 | -$508 | -40.1% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,164 | -$104 | -8.2% |
| Wisconsin | $876 | -$392 | -30.9% |
| Wyoming | $1,130 | -$138 | -10.9% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon Hybrid | $320 | $668 | $354 | $1,478 |
| 2021 Toyota Avalon Hybrid | $310 | $640 | $364 | $1,450 |
| 2020 Toyota Avalon Hybrid | $292 | $618 | $376 | $1,422 |
| 2019 Toyota Avalon Hybrid | $282 | $574 | $384 | $1,376 |
| 2018 Toyota Avalon Hybrid | $270 | $540 | $388 | $1,334 |
| 2017 Toyota Avalon Hybrid | $258 | $484 | $390 | $1,268 |
| 2016 Toyota Avalon Hybrid | $242 | $446 | $390 | $1,214 |
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 Toyota Avalon Hybrid insurance takes being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
Below is a brief summary of the concepts that were raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,490 more per year for auto insurance
- Teenage drivers are expensive to insure, costing as high as $398 per month including comprehensive and collision insurance
- Drivers can save around $150 per year simply by shopping early and online
- Increasing deductibles could save up to $500 each year
- Drivers can save around $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,770 |
| 20 | $2,940 |
| 30 | $1,322 |
| 40 | $1,268 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,598 |
| $250 | $1,444 |
| $500 | $1,268 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,346 |
| 100/300 | $1,444 |
| 250/500 | $1,697 |
| 100 CSL | $1,385 |
| 300 CSL | $1,600 |
| 500 CSL | $1,756 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,812 |
| 20 | $4,684 |
| 30 | $2,818 |
| 40 | $2,758 |
| 50 | $2,634 |
| 60 | $2,610 |
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 | $68 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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