Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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Average auto insurance rates for a Toyota Avalon Hybrid are $1,268 annually with full coverage. Comprehensive insurance costs approximately $258 each year, collision insurance costs $484, and liability is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $2,758 or more. 16-year-old drivers receive the highest rates at up to $4,770 a year.
Average premium for full coverage: $1,268
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Avalon Hybrid models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $438 for your basic liability-only policy to a high rate of $2,758 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below details average Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $724
- Raising to $1,000 deductibles will save $168 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,268
- Buying low deductibles costs an additional $330 annually
- Drivers with multiple tickets or accidents could pay around $2,758
- The cost with full coverage for a 16-year-old driver can cost $4,770
Insurance rates for a Toyota Avalon Hybrid can also vary considerably based on the trim level of your Avalon Hybrid, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $500 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Avalon Hybrid insurance prices. A middle-age driver might find rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $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% |
| 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 Low Cost Toyota Avalon Hybrid Insurance
Saving money on insurance for a Toyota Avalon Hybrid consists of being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a review of the information raised in the charts and tables above.
- You may be able to save around $150 per year just by quoting online in advance
- Teenage drivers are the costliest to insure, with premiums as much as $398 per month if they have full coverage
- Increasing deductibles could save up to $500 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,490 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay around $430 every year to raise from a minimum limit to higher 250/500 limits
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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