Toyota Avalon Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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Estimated insurance prices for a Toyota Avalon Hybrid are $1,268 every 12 months for full coverage insurance. Comprehensive costs around $258, collision insurance costs $484, and liability coverage costs around $390. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs around $2,758. Teen drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,268

Premium estimates for type of coverage:

Comprehensive $258
Collision $484
Liability $390

Estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Avalon Hybrid trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Toyota Avalon Hybrid range from the cheapest price of $438 for minimum levels of liability insurance to a much higher rate of $2,758 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,268
High Risk $2,758

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using price 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 illustrates average Toyota Avalon Hybrid insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $724
  • Using higher $1,000 deductibles will save about $168 each year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,268
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,598
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,758
  • An auto insurance policy to insure a teenage driver with full coverage can be $4,770 or more

View Chart as Image

Toyota Avalon Hybrid insurance cost comparison chart
Column chart showing Toyota Avalon Hybrid insurance rates range from $724 to $4,770 for full coverage

Car insurance prices for a Toyota Avalon Hybrid also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $500 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 44% to 132% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Avalon Hybrid insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

Toyota Avalon Hybrid Insurance Rates by State
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%

View Chart as Image

Toyota Avalon Hybrid insurance rates by U.S. city
Toyota Avalon Hybrid Insurance Rates by Model Year
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 Shop for Low Cost Toyota Avalon Hybrid Insurance

Finding better rates on auto insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at least once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the primary concepts that were illustrated above.

  • It is possible to save up to $150 per year just by shopping early and online
  • Drivers who have several accidents or serious violations may pay on average $1,490 more every year to buy Toyota Avalon Hybrid insurance
  • Increasing policy deductibles could save as much as $500 each year
  • Drivers age 20 and younger are the costliest to insure, with premiums being up to $398 per month if the policy includes full coverage

Rates by Driver Age

Toyota Avalon Hybrid Insurance 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

Toyota Avalon Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,598
$250 $1,444
$500 $1,268
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Hybrid Insurance Rates with Different Liability Limits
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

Toyota Avalon Hybrid Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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