Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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Estimated auto insurance rates for a Toyota Avalon Hybrid are $1,268 annually with full coverage. Comprehensive insurance costs an estimated $258 each year, collision costs $484, and liability is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,758 or more. Teenage drivers pay the most at $4,770 a year or more.
Average premium for full coverage: $1,268
Premium estimates broken down by type of coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Avalon Hybrid models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Avalon Hybrid go from as cheap as $438 for your basic liability-only policy to a high rate of $2,758 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.
The graphic below illustrates how where you live affects insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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 details estimated Toyota Avalon Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $724
- Raising to $1,000 deductibles will save approximately $168 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,268
- Using low deductibles costs an additional $330 annually
- Drivers who are prone to accidents and violations could pay up to $2,758 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,770
Insurance prices for a Toyota Avalon Hybrid also have a wide range based on the model of your Avalon Hybrid, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $500 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Toyota Avalon Hybrid insurance prices. A middle-age driver might find prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.
| 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 Buy the Cheapest Toyota Avalon Hybrid Insurance
Finding better rates on insurance for a Toyota Avalon Hybrid consists of avoiding accidents and violations, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop once a year by requesting rates from direct companies, and also from several local insurance agents.
The list below is a recap of the data that was touched on in the above illustrations.
- You may be able to save approximately $150 per year simply by quoting online in advance
- Insureds who want higher liability limits will pay an extra $430 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers are charged the highest prices, possibly costing $398 per month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents pay on average $1,490 more annually for car insurance
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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