2005 Toyota Avalon Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 2005 Toyota Avalon are $894 a year with full coverage. Comprehensive costs approximately $168 a year, collision insurance costs $192, and liability insurance costs around $398. Buying a liability-only policy costs as low as $444 a year, and high-risk insurance costs around $1,908. Teen drivers receive the highest rates at up to $3,526 a year.
Annual premium for full coverage: $894
Rate estimates for 2005 Toyota Avalon Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2005 Toyota Avalon models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $444 for only liability insurance to a high of $1,908 for a driver that may need high-risk insurance.
These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2005 Toyota Avalon Insurance
Nobody cherishes buying auto insurance, especially when they are paying too much.
There is such a variety of insurers to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to find the lowest rates.
Smart consumers take time to compare rates at least once a year due to the fact that insurance rates are constantly changing. Even if you think you had the lowest rates for Avalon coverage on your last policy a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.
You probably qualify for some discounts
Auto insurance companies don’t always advertise every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden discounts you could be receiving.
- Multiple Cars – Buying insurance for all your vehicles on the same insurance policy can get a discount on all vehicles.
- Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
- Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
- Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.
For a list of insurance companies offering insurance discounts, click this link.
There’s no such thing as the perfect policy
When choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine whether or not you may require specific advice.
- Are rental cars covered under my policy?
- Where can I find DUI or SR-22 insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Am I covered when driving a rental car?
- Why is insurance for a teen driver so high?
- Is my camper covered by my car insurance policy?
- Do I pay less if my vehicle is kept in my garage?
- Are split liability limits better than a combined single limit?
- Are rock chip repairs covered?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Information about specific coverages
Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Avalon.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like damaging your car on a curb, crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, dental work, pain medications, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles, legal defense fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.
Comprehensive (Other than Collision)
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, damage from flooding, fire damage, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
A fool and his money are soon parted
The cheapest 2005 Toyota Avalon insurance is definitely available from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone sacrificed collision coverage only to discover later that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford.
To learn more, link through to the following helpful articles:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit and Insurance Scores (Insurance Information Insitute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Choosing an Insurance Company (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,410|
|Los Angeles, CA||$1,527|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$54|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.