Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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Estimated insurance rates for a Toyota Avalon Hybrid are $1,214 a year for full coverage. Comprehensive costs on average $242, 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 most at up to $4,592 a year.
Average premium for full coverage: $1,214
Premium estimates by type of coverage:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Avalon Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Avalon Hybrid range from the low end price of $438 for your basic liability-only policy to a much higher rate of $2,636 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location, 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.
More Rate Information
The chart below shows average Toyota Avalon Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $696
- Using higher $1,000 deductibles will save around $156 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,214
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,518
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,636
- An auto insurance policy that insures a teen driver with full coverage may cost $4,592 or more
Insurance prices for a Toyota Avalon Hybrid also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 138% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,500 a year. View Rates by Age
Where you choose to live 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 Idaho, Maine, and Iowa, or as much as $1,730 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $460 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
| 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
Finding better rates on Toyota Avalon Hybrid insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
Below is a recap of the data that was raised in the charts and tables above.
- Drivers can save as much as $150 per year just by shopping early and online
- Drivers who require higher levels of liability will pay about $430 each year to increase from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers pay the highest prices, as much as $383 per month if full coverage is included
- High-risk drivers that have major violations or accidents may pay on average $1,420 more each year for auto insurance
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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