Toyota Avalon Hybrid Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance prices for a Toyota Avalon Hybrid are $1,214 every 12 months with full coverage. Comprehensive costs an estimated $242 each year, collision costs $446, and liability costs $390. Liability-only insurance costs as little as $438 a year, with high-risk driver 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 broken down by type of insurance:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Avalon Hybrid models.
Price Range Variability
For a driver in their 40's, Toyota Avalon Hybrid insurance rates go from the cheapest price of $438 for just the minimum liability insurance to a high rate of $2,636 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
The examples above demonstrate why all drivers should compare rates for a targeted area and their own driving history, 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 Rate Analysis
The chart below details estimated Toyota Avalon Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $696
- Drivers who choose higher $1,000 deductibles will pay approximately $156 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,214
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,518
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,636 or more
- Policy cost to insure a teen driver can cost as much as $4,592 a year
Auto insurance rates for a Toyota Avalon Hybrid also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could save up to $460 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 138% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Toyota Avalon Hybrid insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,640 on average in New York, Michigan, 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 best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.
| 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 Shop for Cheaper Toyota Avalon Hybrid Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a condensed summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with multiple at-fault accidents may pay on average $1,420 more annually than a safer driver
- You may be able to save approximately $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Policyholders who want an increased level of liability coverage will pay around $430 every year to go from a 30/60 limit to a 250/500 level
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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