Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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The average auto insurance rates for a Toyota Avalon Hybrid are $1,214 annually for full coverage insurance. Comprehensive costs on average $242 a year, collision costs $446, and liability is $390. A liability-only policy costs around $438 a year, with high-risk insurance costing around $2,636. 16-year-old drivers cost the most to insure at $4,592 a year or more.
Average premium for full coverage: $1,214
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Avalon Hybrid trim levels.
Price Range Variability
For the average driver, Toyota Avalon Hybrid insurance rates go from as cheap as $438 for liability-only coverage to a high of $2,636 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities.
The diagram below illustrates how location impacts car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using 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 Charts and Tables
The chart below illustrates estimated Toyota Avalon Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $696
- Raising to $1,000 deductibles will save around $1,058 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,214
- Buying low $100 deductibles will cost $1,518
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,636 or more
- Policy cost with full coverage for a teen driver may cost $4,592
Car insurance rates for a Toyota Avalon Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $460 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Avalon Hybrid insurance prices. A middle-age driver might find rates 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.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied between companies.
| 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 Buy Affordable Toyota Avalon Hybrid Insurance
Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a brief review of the data that was touched on above.
- It is possible to save as much as $150 per year simply by quoting early and online
- Policyholders who require an increased level of liability coverage will pay around $430 annually to raise from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, possibly costing $383 each month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,420 more each year than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,518 |
| $250 | $1,376 |
| $500 | $1,214 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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