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 auto insurance rates for a Toyota Avalon Hybrid are $1,214 annually for full coverage. Comprehensive costs an estimated $242 a year, collision insurance costs $446, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $2,636. Teen drivers pay the highest rates at up to $4,592 a year.
Average premium for full coverage: $1,214
Price estimates broken down by individual coverage:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Avalon Hybrid trim levels.
Price Range from Low to High
For a driver in their 40's, Toyota Avalon Hybrid insurance prices range from as cheap as $438 for basic liability insurance to a high of $2,636 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. More rural locations have fewer accident claims than larger metro areas. The diagram below illustrates how location helps determine insurance prices.
The ranges above show why it is important to compare prices for a targeted area and their own personal driving habits, 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.
Rate Comparisons
The chart below shows 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 $1,058 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,214
- Choosing low $100 deductibles for physical damage coverage will cost $1,518
- Drivers with multiple violations and an at-fault accident could pay up to $2,636
- The price with full coverage for a teen driver can cost as much as $4,592 or more
Auto insurance prices for a Toyota Avalon Hybrid are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 138% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $460 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota Avalon Hybrid insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Iowa, Maine, and Idaho, or as much as $1,730 on average in New York, Louisiana, 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 Buy Affordable Toyota Avalon Hybrid Insurance
Getting lower rates on Toyota Avalon Hybrid insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the concepts that were covered in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,420 more annually to buy Toyota Avalon Hybrid insurance
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $383 a month if full coverage is included
- Drivers can save approximately $150 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $450 each year
- Drivers can save approximately $150 per year just by quoting early and online
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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