Toyota Avalon Hybrid Insurance Rates
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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 for full coverage. Comprehensive costs on average $258 each year, collision insurance costs $484, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,758. Teen drivers receive the highest rates at up to $4,770 a year.
Average premium for full coverage: $1,268
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Avalon Hybrid models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $438 for just liability coverage to a high rate of $2,758 for high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.
These examples show why all drivers should compare rates based on a specific location, instead of 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.
Detailed Rate Analysis
The chart below shows average Toyota Avalon Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $724
- Drivers who choose higher $1,000 deductibles will pay around $168 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,268
- Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,598
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,758
- The cost that insures a teen driver may cost $4,770 a year
Insurance rates for a Toyota Avalon Hybrid can also vary considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 132% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age
Where you live makes a big difference in Toyota Avalon Hybrid insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.
| 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 could save up to $500 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
| 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 More Affordable Toyota Avalon Hybrid Insurance
Saving money on car insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and determing if full coverage is necessary. Shop around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a summary of the material that was touched on in the above illustrations.
- Policyholders who require an increased level of liability coverage will pay about $430 each year to go from a minimum limit to the 250/500 level
- Drivers age 16 to 20 pay the highest rates, costing as high as $398 per month if full coverage is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more each year than a safer driver
- Increasing deductibles can save approximately $500 each year
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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