Toyota Avalon Hybrid Insurance Rates

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How Much Does 2016 Toyota Avalon Hybrid Insurance Cost in 2025?

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UPDATED: Apr 24, 2024

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U.S. average auto insurance rates for a Toyota Avalon Hybrid are $1,268 annually for full coverage. Comprehensive insurance costs approximately $258 a year, collision costs $484, and liability coverage is $390. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $2,758 or more. 16-year-old drivers pay the highest rates at $4,770 a year or more.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Comprehensive $258
Collision $484
Liability $390

Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Avalon Hybrid trim levels.

Price Range from Low to High

For the average driver, Toyota Avalon Hybrid insurance prices go from as cheap as $438 for just the minimum liability insurance to a high of $2,758 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations have fewer accident claims than congested cities.

The diagram below illustrates how location impacts auto insurance prices.

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

The ranges above show why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than 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.

Additional Rate Analysis

The chart below shows estimated Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $724
  • Raising to $1,000 deductibles will save $1,100 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,268
  • Buying low $100 deductibles costs an additional $330 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,758 or more
  • The price with full coverage for a teenage driver can cost $4,770

View Chart as Image

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

Insurance prices for a Toyota Avalon Hybrid are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $500 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Avalon Hybrid insurance rates. A middle-age driver might find prices as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.

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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices may be quite different between companies.

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 Buy the Right Toyota Avalon Hybrid Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the data that was touched on above.

  • Drivers can save around $150 per year simply by quoting early and online
  • Consumers who purchase more liability coverage will pay around $430 each year to raise from a low limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, with premiums as much as $398 a month if they have full coverage
  • Drivers with reckless driving or DUI convictions pay on average $1,490 more per year to insure their Avalon Hybrid

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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