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.

Average auto insurance rates for a Toyota Avalon are $1,300 annually for full coverage. Comprehensive insurance costs an estimated $298 a year, collision insurance costs $502, and liability costs around $364. A liability-only policy costs as low as $416 a year, and high-risk insurance costs $2,804 or more. Teens receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows average Toyota Avalon insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save approximately $1,118 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,300
• Selecting low $100 deductibles for physical damage coverage costs an additional $350 annually
• High-risk insureds with serious driving violations could pay up to $2,804
• The cost with full coverage for a 16-year-old driver can cost as much as $4,770 or more

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Insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, 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 Buy Low Cost Toyota Avalon Insurance

Saving money on insurance for a Toyota Avalon requires being a low-risk driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a review of the material that was touched on above.

• Insureds who want more liability coverage will pay approximately $400 each year to increase from a minimum limit to higher 250/500 limits
• Teen drivers are charged the highest rates, costing as high as $398 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,500 more annually to insure their Avalon
• Increasing deductibles could save up to $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