Toyota Avalon Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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The average insurance prices for a Toyota Avalon Hybrid are $1,334 every 12 months with full coverage. Comprehensive costs approximately $270, collision insurance costs $540, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs around $2,906. 16-year-old drivers cost the most to insure at up to $4,984 a year.

Average premium for full coverage: $1,334

Policy rates by type of insurance:

Comprehensive $270
Collision $540
Liability $388

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Avalon Hybrid models.

Price Range Variability

Using a middle-aged driver as an example, Toyota Avalon Hybrid insurance rates range from the cheapest price of $434 for basic liability insurance to the much higher price of $2,906 for a high-risk insurance policy.

Liability Only $434
Full Coverage $1,334
High Risk $2,906

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The examples above demonstrate why everyone should get quotes using their specific location and their own driving history, 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.

Rate Comparisons

The chart below details average Toyota Avalon Hybrid insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $753
  • Choosing higher $1,000 deductibles can save $182 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,334
  • Buying pricier low deductibles for comp and collision coverage increases the price to $1,694
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,906
  • Policy cost to insure a 16-year-old driver for full coverage can cost $4,984 each year

View Chart as Image

Toyota Avalon Hybrid insurance cost comparison chart
Column chart showing Toyota Avalon Hybrid insurance rates range from $753 to $4,984 for full coverage

Auto insurance rates for a Toyota Avalon Hybrid also range considerably based on liability limits and deductibles, your driving record, and the model of your Avalon Hybrid.

Opting for high physical damage deductibles can save as much as $550 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,900 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 anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Toyota Avalon Hybrid insurance for high-risk drivers ranges from 44% to 133% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Avalon Hybrid insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or at least $1,800 on average in New York, Michigan, and Florida.

Toyota Avalon Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$130 -9.7%
Alaska $1,020 -$314 -23.5%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,272 -$62 -4.6%
Connecticut $1,370 $36 2.7%
Delaware $1,508 $174 13.0%
Florida $1,666 $332 24.9%
Georgia $1,234 -$100 -7.5%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $992 -$342 -25.6%
Indiana $1,006 -$328 -24.6%
Iowa $898 -$436 -32.7%
Kansas $1,266 -$68 -5.1%
Kentucky $1,818 $484 36.3%
Louisiana $1,974 $640 48.0%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,064 -$270 -20.2%
Michigan $2,312 $978 73.3%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,430 $96 7.2%
Nebraska $1,050 -$284 -21.3%
Nevada $1,598 $264 19.8%
New Hampshire $962 -$372 -27.9%
New Jersey $1,490 $156 11.7%
New Mexico $1,178 -$156 -11.7%
New York $1,402 $68 5.1%
North Carolina $768 -$566 -42.4%
North Dakota $1,090 -$244 -18.3%
Ohio $918 -$416 -31.2%
Oklahoma $1,366 $32 2.4%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,776 $442 33.1%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,124 -$210 -15.7%
Tennessee $1,164 -$170 -12.7%
Texas $1,606 $272 20.4%
Utah $986 -$348 -26.1%
Vermont $910 -$424 -31.8%
Virginia $798 -$536 -40.2%
Washington $1,028 -$306 -22.9%
West Virginia $1,224 -$110 -8.2%
Wisconsin $920 -$414 -31.0%
Wyoming $1,186 -$148 -11.1%

View Chart as Image

Toyota Avalon Hybrid insurance rates by U.S. city
Toyota Avalon Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Toyota Avalon Hybrid $332 $686 $338 $1,492
2021 Toyota Avalon Hybrid $320 $668 $354 $1,478
2020 Toyota Avalon Hybrid $310 $640 $364 $1,450
2019 Toyota Avalon Hybrid $292 $618 $376 $1,422
2018 Toyota Avalon Hybrid $282 $574 $384 $1,376
2017 Toyota Avalon Hybrid $270 $540 $388 $1,334
2016 Toyota Avalon Hybrid $258 $484 $390 $1,268

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 More Affordable Toyota Avalon Hybrid Insurance

Finding cheaper rates on insurance for a Toyota Avalon Hybrid takes being safe and accident-free, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to comparison shop at least every other year by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a summary of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,570 more per year than a low-risk driver
  • You may be able to save around $160 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $550 each year
  • Insureds who purchase more liability protection will pay around $430 every year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Toyota Avalon Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,984
20 $3,100
30 $1,392
40 $1,334
50 $1,220
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,526
$500 $1,334
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,412
100/300 $1,509
250/500 $1,761
100 CSL $1,450
300 CSL $1,664
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,134
20 $4,942
30 $2,970
40 $2,906
50 $2,772
60 $2,750

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 $191

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $753

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

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