Toyota Avalon Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance prices for a Toyota Avalon Hybrid are $1,214 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $242, collision insurance costs $446, and liability insurance costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $2,636 or more. Teen drivers cost the most to insure at up to $4,592 a year.
Average premium for full coverage: $1,214
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Avalon Hybrid models.
Price Range Variability
For the average 40-year-old driver, Toyota Avalon Hybrid insurance rates range from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $2,636 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area and their own driving history, rather than relying on 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 other coverage scenarios.
- The lowest rate with discounts is $696
- Using higher $1,000 deductibles will save approximately $156 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,214
- Choosing pricier low deductibles for physical damage coverage costs an extra $304 a year
- Drivers with multiple violations and an at-fault accident could pay up to $2,636
- Policy cost to insure a teen driver for full coverage can cost as much as $4,592 or more
Car insurance rates for a Toyota Avalon Hybrid also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $460 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,000 extra every year, depending on your age. Toyota Avalon Hybrid insurance for high-risk drivers can be anywhere from 44% to 138% more than average. View High Risk Driver Rates
Your home state has a huge impact on Toyota Avalon Hybrid insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,096 | -$118 | -9.7% |
| Alaska | $932 | -$282 | -23.2% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,246 | $32 | 2.6% |
| Delaware | $1,372 | $158 | 13.0% |
| Florida | $1,514 | $300 | 24.7% |
| Georgia | $1,124 | -$90 | -7.4% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $822 | -$392 | -32.3% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $914 | -$300 | -24.7% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,002 | -$212 | -17.5% |
| Massachusetts | $968 | -$246 | -20.3% |
| Michigan | $2,106 | $892 | 73.5% |
| Minnesota | $1,018 | -$196 | -16.1% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,078 | -$136 | -11.2% |
| Montana | $1,302 | $88 | 7.2% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,454 | $240 | 19.8% |
| New Hampshire | $876 | -$338 | -27.8% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,072 | -$142 | -11.7% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,154 | -$60 | -4.9% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,100 | -$114 | -9.4% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,062 | -$152 | -12.5% |
| Texas | $1,462 | $248 | 20.4% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $830 | -$384 | -31.6% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $936 | -$278 | -22.9% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $838 | -$376 | -31.0% |
| Wyoming | $1,080 | -$134 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon Hybrid | $310 | $640 | $364 | $1,450 |
| 2021 Toyota Avalon Hybrid | $292 | $618 | $376 | $1,422 |
| 2020 Toyota Avalon Hybrid | $282 | $574 | $384 | $1,376 |
| 2019 Toyota Avalon Hybrid | $270 | $540 | $388 | $1,334 |
| 2018 Toyota Avalon Hybrid | $258 | $484 | $390 | $1,268 |
| 2017 Toyota Avalon Hybrid | $242 | $446 | $390 | $1,214 |
| 2016 Toyota Avalon Hybrid | $234 | $418 | $394 | $1,182 |
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 Cheap Toyota Avalon Hybrid Insurance
Finding cheaper rates on Toyota Avalon Hybrid insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief summary of the information touched on in this article.
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- Youthful drivers have the highest car insurance rates, possibly costing $383 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,420 more annually than a low-risk driver
- Drivers who want more liability protection will pay about $430 annually to increase from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,592 |
| 20 | $2,808 |
| 30 | $1,262 |
| 40 | $1,214 |
| 50 | $1,112 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,518 |
| $250 | $1,376 |
| $500 | $1,214 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,292 |
| 100/300 | $1,390 |
| 250/500 | $1,643 |
| 100 CSL | $1,331 |
| 300 CSL | $1,546 |
| 500 CSL | $1,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,550 |
| 20 | $4,476 |
| 30 | $2,690 |
| 40 | $2,636 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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