Toyota Avalon Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Estimated insurance rates for a Toyota Avalon Hybrid are $1,334 a year including full coverage. Comprehensive costs approximately $270 a year, collision insurance costs $540, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $2,906. Teenage drivers pay the most at up to $4,984 a year.

Average premium for full coverage: $1,334

Premium estimates by type of coverage:

Comprehensive $270
Collision $540
Liability $388

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Avalon Hybrid trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Avalon Hybrid range from the low end price of $434 for minimum levels of liability insurance to a high of $2,906 for a policy for a high-risk driver.

Liability Only $434
Full Coverage $1,334
High Risk $2,906

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

These rate differences highlight why it is important to get quotes using their specific location, 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.

Additional Rate Details

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

  • The best discount rate is $753
  • Choosing higher $1,000 deductibles can save $1,152 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,334
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,694
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,906
  • An auto insurance policy that insures a 16-year-old driver can cost $4,984 each year

View Chart as Image

Toyota Avalon Hybrid insurance cost comparison chart
Column chart showing Toyota Avalon Hybrid insurance rates range from $753 to $4,984 for full coverage

Insurance prices for a Toyota Avalon Hybrid also have a wide range based on the trim level of your Avalon Hybrid, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Avalon Hybrid insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,900 on average in Louisiana, New York, and Michigan.

Toyota Avalon Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$130 -9.7%
Alaska $1,020 -$314 -23.5%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,272 -$62 -4.6%
Connecticut $1,370 $36 2.7%
Delaware $1,508 $174 13.0%
Florida $1,666 $332 24.9%
Georgia $1,234 -$100 -7.5%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $992 -$342 -25.6%
Indiana $1,006 -$328 -24.6%
Iowa $898 -$436 -32.7%
Kansas $1,266 -$68 -5.1%
Kentucky $1,818 $484 36.3%
Louisiana $1,974 $640 48.0%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,064 -$270 -20.2%
Michigan $2,312 $978 73.3%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,430 $96 7.2%
Nebraska $1,050 -$284 -21.3%
Nevada $1,598 $264 19.8%
New Hampshire $962 -$372 -27.9%
New Jersey $1,490 $156 11.7%
New Mexico $1,178 -$156 -11.7%
New York $1,402 $68 5.1%
North Carolina $768 -$566 -42.4%
North Dakota $1,090 -$244 -18.3%
Ohio $918 -$416 -31.2%
Oklahoma $1,366 $32 2.4%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,776 $442 33.1%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,124 -$210 -15.7%
Tennessee $1,164 -$170 -12.7%
Texas $1,606 $272 20.4%
Utah $986 -$348 -26.1%
Vermont $910 -$424 -31.8%
Virginia $798 -$536 -40.2%
Washington $1,028 -$306 -22.9%
West Virginia $1,224 -$110 -8.2%
Wisconsin $920 -$414 -31.0%
Wyoming $1,186 -$148 -11.1%

View Chart as Image

Toyota Avalon Hybrid insurance rates by U.S. city

Using high physical damage deductibles can save as much as $550 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per 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 $332 $686 $338 $1,492
2021 Toyota Avalon Hybrid $320 $668 $354 $1,478
2020 Toyota Avalon Hybrid $310 $640 $364 $1,450
2019 Toyota Avalon Hybrid $292 $618 $376 $1,422
2018 Toyota Avalon Hybrid $282 $574 $384 $1,376
2017 Toyota Avalon Hybrid $270 $540 $388 $1,334
2016 Toyota Avalon Hybrid $258 $484 $390 $1,268

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 Best Cheap Toyota Avalon Hybrid Insurance

Finding better rates on insurance for a Toyota Avalon Hybrid takes having a decent driving record, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Compare prices every year by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following items are a quick review of the coverage data covered in the above illustrations.

  • You may be able to save around $160 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $550 each year
  • 16 to 18-year-old drivers are expensive to insure, with the cost nearing $415 per month if full coverage is included
  • Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,570 more per year than a driver with a clean driving record

Rates by Driver Age

Toyota Avalon Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,984
20 $3,100
30 $1,392
40 $1,334
50 $1,220
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,526
$500 $1,334
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,412
100/300 $1,509
250/500 $1,761
100 CSL $1,450
300 CSL $1,664
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,134
20 $4,942
30 $2,970
40 $2,906
50 $2,772
60 $2,750

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 $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $753

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

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