Toyota Matrix Car Insurance Calculator

Watch in real-time how the choices you make affect the cost of insurance for a Toyota Matrix. Customize rate factors like Matrix trim level, driving record, policy coverages, and annual miles driven. Instantly see if the change you make raises or lowers insurance rates and why.

The average estimated car insurance premium for a 2013 Toyota Matrix is $1,106 per year, or about $92 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,106

Cost Per Month

$92

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Matrix Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Toyota Matrix.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,106
Average Rate
Your Rate
$1,106

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Toyota Matrix.

The 'Average Rate' is a combined value for all Toyota Matrix trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Toyota Matrix is $1,106.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Toyota Matrix vs. the Small Car Segment

The table below compares insurance rates for the 2013 Toyota Matrix against all other models in the small car segment. The Toyota Matrix is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Matrix, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Matrix.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Toyota Matrix Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$74
2Chrysler Fiat 500$1,064-$42
3Mazda 2$1,084-$22
4Nissan Leaf$1,094-$12
5Toyota Matrix$1,106--
6Scion IQ$1,128$22
7Chevrolet Spark$1,192$86
8Kia Rio5$1,242$136
9Hyundai Accent$1,254$148
10Ford Fiesta$1,262$156
11Chevrolet Sonic$1,274$168
12Honda Fit$1,276$170
13Kia Rio$1,300$194
14Nissan Versa$1,306$200
15Toyota Yaris$1,322$216
16Nissan Sentra$1,330$224
17Hyundai Elantra$1,336$230
18Honda CR-Z$1,354$248
19Mazda 3$1,358$252
2013 Small Car Average$1,362$256
20Toyota Corolla$1,364$258
21Honda Civic$1,370$264
22Volkswagen Beetle$1,380$274
23Mazda Mazdaspeed 3$1,432$326
24Volkswagen GTI$1,462$356
25Dodge Dart$1,466$360
26Volkswagen Jetta$1,470$364
27Toyota Prius$1,474$368
28Chevrolet Cruze$1,480$374
29Subaru Impreza$1,484$378
30Kia Forte$1,488$382
31Volkswagen Golf$1,492$386
32Ford Focus$1,496$390
33Volkswagen EOS$1,508$402
34Hyundai Veloster$1,520$414
35Scion FR-S$1,534$428
36Chevrolet Volt$1,598$492
37Scion TC$1,668$562
38Mitsubishi Lancer$1,742$636

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Matrix Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Toyota Matrix.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Toyota Matrix Insurance Rates by Trim Level
2013 Toyota Matrix Trim Level Annual Premium Cost Per Month
2WD$1,080$90
S 2WD$1,122$94
S AWD$1,122$94

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Toyota Matrix for different driver ages.

2013 Toyota Matrix Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,108$342
17$3,900$325
18$3,348$279
19$3,106$259
20$2,349$196
21$2,241$187
22$1,986$166
23$1,686$141
24$1,574$131
25$1,274$106
30$1,164$97
35$1,144$95
40$1,106$92
45$1,050$88
50$1,002$84
55$936$78
60$936$78
65$992$83
70$1,096$91
75$1,324$110
80$1,630$136

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Matrix trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Toyota Matrix.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Toyota Matrix Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2013 Toyota Matrix$1,106$92

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Toyota Matrix trim levels for each model year.