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 prices for a Toyota Avalon are $1,300 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $298 a year, collision insurance costs $502, and liability costs $364. Liability-only insurance costs as little as $416 a year, and high-risk driver insurance costs $2,804 or more. Teen drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.

These rate differences illustrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $747
• Drivers who choose higher $1,000 deductibles will pay $1,118 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $350 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,804
• An auto insurance policy to insure a 16-year-old driver can cost $4,770 a year

View Chart as Image

Insurance prices for a Toyota Avalon also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Avalon.

Choosing high deductibles could save up to $540 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Affordable Toyota Avalon Insurance

Finding better rates on insurance for a Toyota Avalon not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief review of the material that was illustrated above.

• Insureds who purchase increased liability limits will pay about $400 annually to go from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $398 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,500 more per year to insure a Toyota Avalon
• Increasing policy deductibles could save as much as $525 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