Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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U.S. average insurance rates for a Toyota Avalon Hybrid are $1,268 a year with full coverage. Comprehensive costs approximately $258 a year, collision costs $484, and liability coverage is estimated at $390. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $2,758. Teen drivers pay the highest rates at $4,770 a year or more.
Average premium for full coverage: $1,268
Price estimates by individual coverage:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Avalon Hybrid trim levels.
Price Range from Low to High
For a driver in their 40's, Toyota Avalon Hybrid insurance prices go from as low as $438 for your basic liability-only policy to a high of $2,758 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, 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.
More Rate Information
The chart below details estimated Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $724
- Choosing higher $1,000 deductibles can save $1,100 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,268
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,598
- Drivers with multiple violations and an at-fault accident could pay around $2,758 or more
- The price for full coverage for a teenage driver can cost $4,770 each year
Insurance prices for a Toyota Avalon Hybrid are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Avalon Hybrid insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can save as much as $500 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Find the Right Toyota Avalon Hybrid Insurance
Getting lower rates on auto insurance takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every year by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick rundown of the coverage data covered in the charts and tables above.
- You may be able to save around $150 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $500 each year
- Drivers age 20 and younger are the costliest to insure, costing up to $398 a month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions pay on average $1,490 more per year to buy Toyota Avalon Hybrid insurance
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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