Toyota Avalon Hybrid Insurance Rates

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UPDATED: Apr 24, 2024

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Average insurance rates for a Toyota Avalon Hybrid are $1,214 a year for full coverage insurance. Comprehensive costs around $242 a year, collision insurance costs $446, and liability insurance is estimated at $390. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs around $2,636. 16-year-old drivers receive the highest rates at up to $4,592 a year.

Average premium for full coverage: $1,214

Rate estimates for individual coverage type:

Comprehensive $242
Collision $446
Liability $390

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Avalon Hybrid trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $438 for just the minimum liability insurance to a high of $2,636 for a driver that may need high-risk insurance.

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

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

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

These examples illustrate why it is important to get quotes for a specific zip code, rather than relying on rate 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.

Additional Rate Analysis

The chart below illustrates average Toyota Avalon Hybrid insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $696
  • Choosing higher $1,000 deductibles can save about $1,058 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,214
  • Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,518
  • High-risk insureds with multiple tickets or accidents could pay at least $2,636
  • The cost that insures a teen driver can be $4,592 each year

View Chart as Image

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

Auto insurance rates for a Toyota Avalon Hybrid can also vary considerably based on the trim level of your Avalon Hybrid, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 138% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,500 a year. View Rates by Age

Where you live 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 Vermont, Wisconsin, and North Carolina, or at least $1,640 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles can save as much as $460 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

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 Right Toyota Avalon Hybrid Insurance

Saving money on Toyota Avalon Hybrid insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the data that was illustrated above.

  • It is possible to save up to $150 per year just by quoting early and online
  • Drivers who may need an increased level of liability coverage will pay around $430 annually to raise limits from a minimum limit to the 250/500 level
  • Drivers age 16 to 20 are expensive to insure, costing up to $383 per month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,420 more every year than a safer driver

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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