Toyota Matrix S 2WD Insurance Rates

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Average auto insurance rates for a Toyota Matrix S 2WD are $1,378 annually including full coverage. Comprehensive costs approximately $284 each year, collision costs $572, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,992. Teenage drivers receive the highest rates at $5,132 a year or more.

Annual premium for full coverage: $1,378

Rate estimates by individual coverage:

Comprehensive $284
Collision $572
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

Using a 40-year-old driver as an example, prices go from as cheap as $430 for just liability coverage to a high rate of $2,992 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,378
High Risk $2,992

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These differences highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on 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 S 2WD can also vary considerably based on the model year of your Matrix, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $580 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Matrix S 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different between companies.

The chart above shows average Toyota Matrix S 2WD insurance prices for different situations. The lowest price with discounts is $787. Drivers who use higher $1,000 deductibles will pay about $1,184. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,378. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,758. Drivers with multiple violations and accidents could be charged as much as $2,992. The policy rate for full coverage insurance for a teenager can be as high as $5,132.

Toyota Matrix S 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,246 -$132 -9.6%
Alaska $1,056 -$322 -23.4%
Arizona $1,144 -$234 -17.0%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,318 -$60 -4.4%
Connecticut $1,418 $40 2.9%
Delaware $1,560 $182 13.2%
Florida $1,724 $346 25.1%
Georgia $1,274 -$104 -7.5%
Hawaii $990 -$388 -28.2%
Idaho $932 -$446 -32.4%
Illinois $1,026 -$352 -25.5%
Indiana $1,036 -$342 -24.8%
Iowa $930 -$448 -32.5%
Kansas $1,310 -$68 -4.9%
Kentucky $1,880 $502 36.4%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,138 -$240 -17.4%
Massachusetts $1,102 -$276 -20.0%
Michigan $2,394 $1,016 73.7%
Minnesota $1,152 -$226 -16.4%
Mississippi $1,652 $274 19.9%
Missouri $1,222 -$156 -11.3%
Montana $1,480 $102 7.4%
Nebraska $1,086 -$292 -21.2%
Nevada $1,654 $276 20.0%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,220 -$158 -11.5%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,130 -$248 -18.0%
Ohio $950 -$428 -31.1%
Oklahoma $1,416 $38 2.8%
Oregon $1,264 -$114 -8.3%
Pennsylvania $1,316 -$62 -4.5%
Rhode Island $1,838 $460 33.4%
South Carolina $1,250 -$128 -9.3%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,208 -$170 -12.3%
Texas $1,662 $284 20.6%
Utah $1,020 -$358 -26.0%
Vermont $942 -$436 -31.6%
Virginia $824 -$554 -40.2%
Washington $1,066 -$312 -22.6%
West Virginia $1,264 -$114 -8.3%
Wisconsin $956 -$422 -30.6%
Wyoming $1,228 -$150 -10.9%

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Rates by Driver Age

Toyota Matrix S 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,132
20 $3,206
30 $1,442
40 $1,378
50 $1,258
60 $1,236

Full coverage, $500 deductibles

Rates by Deductible

Toyota Matrix S 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,580
$500 $1,378
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Toyota Matrix S 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,451
100/300 $1,542
250/500 $1,778
100 CSL $1,487
300 CSL $1,687
500 CSL $1,833

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Matrix S 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,326
20 $5,098
30 $3,060
40 $2,992
50 $2,856
60 $2,832

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $19
5-yr Accident Free $105
5-yr Claim Free $89
Paid in Full/EFT $65
Advance Quote $70
Online Quote $98
Total Discounts $591
Rate after discounts $787

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

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