Toyota Matrix 2WD Insurance Rates

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Estimated insurance rates for a Toyota Matrix 2WD are $1,256 a year with full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $476, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs $2,712 or more. Teenage drivers pay the most at up to $4,718 a year.

Annual premium for full coverage: $1,256

Premium estimates by type of insurance:

Comprehensive $258
Collision $476
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Matrix Trim Level

For a driver around age 40, insurance rates for a Toyota Matrix 2WD range from the low end price of $430 for a discount liability-only rate to a much higher rate of $2,712 for a high-risk insurance policy.

Liability Only $430
Full Coverage $1,256
High Risk $2,712

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Toyota Matrix 2WD also have a wide range based on the model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year 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 will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Matrix 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $490 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out which insurance company is cheapest is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted rates will be substantially different.

View Chart as Image

Toyota Matrix 2WD insurance cost comparison chart
Column chart showing Toyota Matrix 2WD insurance prices range from $730 to $4,718 for full coverage

The chart above shows Toyota Matrix 2WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $730. Drivers who use higher $1,000 deductibles will pay $1,090. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,256. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,580. Drivers with multiple violations and accidents could be charged up to $2,712. The price for full coverage for a teenager is $4,718.

Toyota Matrix 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$122 -9.7%
Alaska $964 -$292 -23.2%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,430 $174 13.9%
Colorado $1,202 -$54 -4.3%
Connecticut $1,292 $36 2.9%
Delaware $1,422 $166 13.2%
Florida $1,572 $316 25.2%
Georgia $1,160 -$96 -7.6%
Hawaii $902 -$354 -28.2%
Idaho $848 -$408 -32.5%
Illinois $936 -$320 -25.5%
Indiana $946 -$310 -24.7%
Iowa $848 -$408 -32.5%
Kansas $1,194 -$62 -4.9%
Kentucky $1,712 $456 36.3%
Louisiana $1,858 $602 47.9%
Maine $774 -$482 -38.4%
Maryland $1,036 -$220 -17.5%
Massachusetts $1,004 -$252 -20.1%
Michigan $2,182 $926 73.7%
Minnesota $1,052 -$204 -16.2%
Mississippi $1,504 $248 19.7%
Missouri $1,114 -$142 -11.3%
Montana $1,348 $92 7.3%
Nebraska $990 -$266 -21.2%
Nevada $1,506 $250 19.9%
New Hampshire $906 -$350 -27.9%
New Jersey $1,404 $148 11.8%
New Mexico $1,112 -$144 -11.5%
New York $1,322 $66 5.3%
North Carolina $724 -$532 -42.4%
North Dakota $1,028 -$228 -18.2%
Ohio $866 -$390 -31.1%
Oklahoma $1,292 $36 2.9%
Oregon $1,150 -$106 -8.4%
Pennsylvania $1,198 -$58 -4.6%
Rhode Island $1,674 $418 33.3%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,058 -$198 -15.8%
Tennessee $1,100 -$156 -12.4%
Texas $1,514 $258 20.5%
Utah $930 -$326 -26.0%
Vermont $860 -$396 -31.5%
Virginia $752 -$504 -40.1%
Washington $970 -$286 -22.8%
West Virginia $1,152 -$104 -8.3%
Wisconsin $870 -$386 -30.7%
Wyoming $1,118 -$138 -11.0%

View Chart as Image

Toyota Matrix 2WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Matrix 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,718
20 $2,906
30 $1,306
40 $1,256
50 $1,146
60 $1,126

Full coverage, $500 deductibles

Rates by Deductible

Toyota Matrix 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,430
$500 $1,256
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Toyota Matrix 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,329
100/300 $1,420
250/500 $1,656
100 CSL $1,365
300 CSL $1,565
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Matrix 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,718
20 $4,614
30 $2,770
40 $2,712
50 $2,590
60 $2,566

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $91
5-yr Claim Free $80
Paid in Full/EFT $57
Advance Quote $61
Online Quote $88
Total Discounts $526
Rate after discounts $730

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

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