Toyota Avalon Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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The average insurance rates for a Toyota Avalon Hybrid are $1,214 a year for full coverage insurance. Comprehensive insurance costs an estimated $242 each year, collision costs $446, and liability insurance is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $2,636 or more. Teens cost the most to insure at $4,592 a year or more.

Average premium for full coverage: $1,214

Policy rates broken down by type of insurance:

Comprehensive $242
Collision $446
Liability $390

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Avalon Hybrid models.

Price Range Variability

For a driver around age 40, Toyota Avalon Hybrid insurance rates go from as low as $438 for the bare minimum liability coverage to a high rate of $2,636 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

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

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, rather than relying on 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 Information

The chart below illustrates estimated Toyota Avalon Hybrid insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $696
  • Choosing higher $1,000 deductibles can save approximately $156 each year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,214
  • Selecting low deductibles for comp and collision coverage will cost an extra $304 a year
  • High-risk insureds with serious driving violations could pay up to $2,636 or more
  • Policy cost for full coverage for a teen driver can cost as much as $4,592 each year

View Chart as Image

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

Auto insurance rates for a Toyota Avalon Hybrid also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Avalon Hybrid insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 138% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied from one company to the next.

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 Cheaper Toyota Avalon Hybrid Insurance

Finding cheaper rates on Toyota Avalon Hybrid insurance takes not taking risks behind the wheel, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the information covered above.

  • It is possible to save approximately $150 per year simply by quoting online in advance
  • Teens are the costliest to insure, possibly costing $383 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • High-risk drivers with multiple at-fault accidents pay on average $1,420 more annually for Avalon Hybrid insurance
  • Drivers who want higher liability limits will pay approximately $430 annually to raise limits from a 30/60 limit to 250/500 limits

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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