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 with full coverage. Comprehensive costs on average $298, collision insurance costs $502, and liability coverage is estimated at $364. Buying just liability costs approximately $416 a year, and insurance for high-risk drivers costs around $2,804. Teens pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Avalon models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location, rather than using averaged prices.

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

More Rate Information

The chart below details average Toyota Avalon insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $747
• Choosing higher $1,000 deductibles can save around $182 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,300
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,650
• Drivers with serious driving violations could pay upwards of $2,804
• The price that insures a teenage driver for full coverage may cost $4,770 each year

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on the model of your Avalon, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. Toyota Avalon insurance for high-risk drivers ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 more each 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 More Affordable Toyota Avalon Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.

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

• Drivers who have multiple accidents or major violations pay on average $1,500 more each year than a low-risk driver
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $525 each year
• Consumers who require more liability protection will pay approximately $400 every year to raise limits from a low limit to the 250/500 level

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