Toyota Avalon Hybrid Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive costs approximately $242 each year, collision costs $446, and liability coverage 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:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Avalon Hybrid models.
Price Range Variability
For the average driver, 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 driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how location impacts auto insurance prices.
The examples above illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than 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 illustrates estimated Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $696
- Raising to $1,000 deductibles will save $156 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,214
- Buying low deductibles increases the price to $1,518
- Unlucky drivers with multiple tickets or accidents could pay around $2,636 or more
- Policy cost to insure a teenage driver can cost $4,592
Car insurance rates for a Toyota Avalon Hybrid also range considerably based on liability limits and deductibles, your risk profile, and the model of your Avalon Hybrid.
Opting for high physical damage deductibles can reduce rates by up to $460 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $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 are probably paying anywhere from $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 138% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Toyota Avalon Hybrid insurance rates. A middle-age driver might find rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,640 on average in Florida, New York, and Michigan.
| 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 who has the best car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes 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 the Best Cheap Toyota Avalon Hybrid Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following items are a quick review of the data that was touched on above.
- It is possible to save around $150 per year simply by quoting online in advance
- Consumers who purchase additional liability coverage will pay around $430 annually to raise from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest auto insurance rates, possibly costing $383 each month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation may have to pay on average $1,420 more per year than a driver with a clean driving record
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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