Toyota Avalon Insurance Rates

Is a Toyota Avalon expensive to insure compared to other vehicles? Car insurance for a Toyota Avalon costs an average of $1,362 a year, or $113 a month. Keep these average insurance costs in mind as you search for an affordable Toyota Avalon car insurance company.

If you are looking for the cheapest Toyota Avalon auto insurance, we’re here to help. Read our comprehensive guide to learn more about the Toyota Avalon costs and how to find cheap car insurance rates.

Before you buy Toyota Avalon auto insurance, compare rates from multiple insurers. Start comparison shopping for Toyota Avalon insurance quotes right now by entering your five-digit ZIP code into our FREE online tool above.

The average insurance rates for a Toyota Avalon are $1,278 a year including full coverage. Comprehensive insurance costs approximately $282 a year, collision insurance costs $484, and liability insurance costs $376. Liability-only insurance costs as little as $426 a year, and high-risk driver insurance costs $2,760 or more. Teenage drivers cost the most to insure at up to $4,732 a year.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Avalon trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The best discount rate is $734
• Drivers who choose higher $1,000 deductibles will pay $1,104 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,278
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $336 a year
• High risk drivers who are prone to accidents and violations could pay around $2,760
• Policy cost for full coverage for a teen driver can cost $4,732 a year

View Chart as Image

Auto insurance rates for a Toyota Avalon also range considerably based on your risk profile, the model of your Avalon, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $510 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2021 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Toyota Avalon Insurance

Finding cheaper rates on Toyota Avalon insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a review of the car insurance concepts presented in the illustrations above.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,480 more per year than a driver with a clean driving record
• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers who purchase additional liability coverage will pay an extra $410 per year to go from a 30/60 limit to 250/500 limits

Are you still wondering are Toyotas more expensive to insure? Toyota Avalons will be more expensive to insure for teenagers and drivers with poor driving records, but shopping for quotes early will help you find affordable car insurance.

To find the average insurance cost for a Toyota Avalon in your area, whether it’s Toyota Avalon insurance in Florida or New Jersey, enter your ZIP code in our free tool below.

What are the safety ratings of the Toyota Avalon?

It is easier to find affordable car insurance if a car has great safety ratings and features. Some of the Toyota Avalon’s fantastic safety features include brake assist, electronic stability control, blind-spot monitor, lane departure warning, lane-keeping assist, cross-traffic alert.

The Toyota Avalon’s safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Toyota Avalon a 2019 Top Safety Pick award.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS’s crash tests on the Toyota Avalon.

Keep in mind that safety ratings and features can vary by model year, so the cost of a Toyota Avalon 2010 may be different than the cost of a Toyota Avalon 2016.

Below, check out details about the Toyota Avalon crash test ratings as performed by the National Highway Traffic Safety Administration.

Toyota Avalon Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. The Toyota Avalon has done very well over the years and has never received lower than a 4-star score.

Toyota Avalon Compared Against Other Vehicles in the Same Class

Is the Toyota Avalon considered a luxury car? No. The Toyota Avalon is a large car but is not considered a luxury vehicle. It also has great liability losses compared to other large cars. According to the IIHS, the Toyota Avalon’s property damage losses are substantially better than average and its bodily injury losses are average.

See more of the Toyota Avalon insurance loss probability details in the table below.

Toyota Avalon Insurance Loss Probability

The lower the percentage, the better the insurance loss ratios. As you can see, in every category the Toyota Avalon is either average, better than average, or substantially better than average.

The list below shows other large cars, so drivers can compare Toyota Avalon rates to other vehicles in the same class.

• Buick LaCrosse
• Buick Regal
• Chevrolet Impala

To start shopping for cheap car insurance rates for a Toyota Avalon, enter your five-digit ZIP code into our FREE online quote tool.

References

1. https://www.iihs.org/ratings/vehicle/toyota/avalon-4-door-sedan/2020