Toyota Avalon Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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U.S. average insurance rates for a Toyota Avalon Hybrid are $1,214 a year for full coverage insurance. Comprehensive insurance costs approximately $242 each year, collision insurance costs $446, and liability insurance costs around $390. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs $2,636 or more. Teenage drivers pay the highest rates at up to $4,592 a year.

Average premium for full coverage: $1,214

Price estimates by individual coverage:

Comprehensive $242
Collision $446
Liability $390

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Avalon Hybrid models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Avalon Hybrid insurance prices range from as low as $438 for the bare minimum liability coverage to a high rate of $2,636 for high-risk insurance.

Liability Only $438
Full Coverage $1,214
High Risk $2,636

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $911
Small Cities $1,275
Large Cities $1,639

The ranges above illustrate why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below illustrates average Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $696
  • Using higher $1,000 deductibles will save $156 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,214
  • Using low deductibles for physical damage coverage will cost an extra $304 a year
  • Drivers who are prone to accidents and violations could pay around $2,636
  • The price for full coverage for a teen driver can cost $4,592 or more

View Chart as Image

Toyota Avalon Hybrid insurance cost comparison chart
Column chart showing Toyota Avalon Hybrid insurance prices range from $696 to $4,592 for full coverage

Insurance prices for a Toyota Avalon Hybrid are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

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 $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,640 on average in Florida, New York, and Michigan.

Toyota Avalon Hybrid Insurance Rates by State
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%

View Chart as Image

Toyota Avalon Hybrid insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $460 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 138% more than a normal 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 $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 Find the Cheapest Toyota Avalon Hybrid Insurance

Getting lower rates on Toyota Avalon Hybrid insurance requires being safe and accident-free, maintaining good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a recap of the material that was raised in the charts and tables above.

  • Drivers who purchase more liability protection will pay an extra $430 annually to increase from a low limit to 250/500 limits
  • Youthful drivers are expensive to insure, as much as $383 a month for full coverage
  • High-risk drivers that have major violations or accidents may pay on average $1,420 more per year than a low-risk driver
  • Increasing physical damage deductibles can save around $450 each year

Rates by Driver Age

Toyota Avalon Hybrid Insurance 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

Toyota Avalon Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,518
$250 $1,376
$500 $1,214
$1,000 $1,058

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Hybrid Insurance Rates with Different Liability Limits
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

Toyota Avalon Hybrid Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $696

Discounts are estimated and may not be available from every company or in every state.

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