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.

U.S. average insurance rates for a Toyota Avalon are $1,300 a year including full coverage. Comprehensive costs approximately $298, collision insurance costs $502, and liability is $364. Buying just liability costs around $416 a year, and insurance for high-risk drivers costs around $2,804. 16-year-old drivers pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Avalon models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $747
• Raising to $1,000 deductibles will save $182 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,300
• Buying pricier low deductibles will increase the cost to $1,650
• Drivers with multiple tickets or accidents could pay around $2,804
• The price for full coverage for a 16-year-old driver for full coverage can cost $4,770

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on your driving record, the model of your Avalon, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in also has a big influence on Toyota Avalon insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Toyota Avalon insurance for high-risk drivers is expensive and can cost from 44% to 129% more than the average rate. 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 the Best Toyota Avalon Insurance

Getting lower rates on insurance for a Toyota Avalon consists of being safe and accident-free, having a good credit history, being claim-free, and consideration of higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a brief recap of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,500 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 physical damage deductibles can save around $525 each year
• Insureds who purchase more liability protection will pay around $400 per year to raise from a low 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