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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Average insurance rates for a Toyota Avalon Hybrid are $1,268 a year including full coverage. Comprehensive insurance costs around $258, collision insurance costs $484, and liability coverage is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $2,758 or more. Teens receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Comprehensive $258
Collision $484
Liability $390

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Avalon Hybrid trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $438 for just the minimum liability insurance to a much higher rate of $2,758 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. 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 examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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 breaks down average Toyota Avalon Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $724
  • Raising to $1,000 deductibles will save about $168 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,268
  • Selecting more expensive low deductibles will cost an extra $330 each year
  • Unlucky drivers with serious driving violations could pay at least $2,758
  • The cost for full coverage for a teenage driver with full coverage can be $4,770

View Chart as Image

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

Auto insurance rates for a Toyota Avalon Hybrid can also vary considerably based on your driver profile, the model of your Avalon Hybrid, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Where you live also has a big influence on Toyota Avalon Hybrid insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,810 on average in Michigan, New York, and Louisiana.

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

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 Find Cheap Toyota Avalon Hybrid Insurance

Saving money on auto insurance consists of being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief summary of the coverage data illustrated above.

  • You may be able to save up to $150 per year just by shopping early and online
  • Increasing deductibles can save around $500 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $398 per month if they have full coverage
  • Drivers that tend to have accidents or serious violations pay on average $1,490 more every year than a safer driver

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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