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.

Estimated insurance rates for a Toyota Avalon are $1,278 a year for full coverage insurance. Comprehensive costs approximately $282 a year, collision insurance costs $484, and liability coverage costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $2,760. Teen drivers pay the most at up to $4,732 a year.

Average premium for full coverage: $1,278

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $734
• Using higher $1,000 deductibles will save $1,104 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,278
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,614
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,760
• An auto insurance policy that insures a teenage driver can cost $4,732 or more

View Chart as Image

Auto insurance prices for a Toyota Avalon also have a wide range based on the trim level of your Avalon, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 44% to 131% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Avalon insurance rates. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $510 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Toyota Avalon Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the material that was covered above.

• Consumers who purchase higher liability limits will pay about $410 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Teenagers have the highest car insurance prices, with premiums being up to $394 per month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations could be charged and average of $1,480 more per year for car insurance
• Increasing policy deductibles can save approximately $500 each year

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