Toyota Avalon Insurance Rates
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Michelle Robbins
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UPDATED: May 5, 2024
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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.
The average insurance prices for a Toyota Avalon are $1,278 every 12 months for full coverage. Comprehensive costs approximately $282 a year, collision insurance costs $484, and liability coverage costs $376. Liability-only insurance costs as little as $426 a year, and high-risk driver insurance costs around $2,760. 16-year-old drivers cost the most to insure at up to $4,732 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Avalon trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Avalon insurance rates range from the cheapest price of $426 for just the minimum liability insurance to a high of $2,760 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The examples above show why it is important to compare rates using their specific location and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Toyota Avalon insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $734
- Drivers who choose higher $1,000 deductibles will pay $1,104 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,278
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,614
- High-risk insureds with multiple tickets or accidents could pay around $2,760
- Policy cost to insure a teenage driver can cost $4,732 a year
Auto insurance rates for a Toyota Avalon also range considerably based on liability limits and deductibles, your driver profile, and the model of your Avalon.
Opting for high physical damage deductibles could save up to $510 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,820 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,218 | -$60 | -4.7% |
| Connecticut | $1,312 | $34 | 2.7% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,596 | $318 | 24.9% |
| Georgia | $1,182 | -$96 | -7.5% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $964 | -$314 | -24.6% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,740 | $462 | 36.2% |
| Louisiana | $1,890 | $612 | 47.9% |
| Maine | $788 | -$490 | -38.3% |
| Maryland | $1,054 | -$224 | -17.5% |
| Massachusetts | $1,018 | -$260 | -20.3% |
| Michigan | $2,218 | $940 | 73.6% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,370 | $92 | 7.2% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $922 | -$356 | -27.9% |
| New Jersey | $1,428 | $150 | 11.7% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,344 | $66 | 5.2% |
| North Carolina | $734 | -$544 | -42.6% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $880 | -$398 | -31.1% |
| Oklahoma | $1,308 | $30 | 2.3% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,216 | -$62 | -4.9% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,538 | $260 | 20.3% |
| Utah | $944 | -$334 | -26.1% |
| Vermont | $870 | -$408 | -31.9% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $882 | -$396 | -31.0% |
| Wyoming | $1,136 | -$142 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $1,202 | $100 |
| Toyota Avalon XLS | $1,278 | $107 |
| Toyota Avalon Limited | $1,316 | $110 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon | $298 | $502 | $364 | $1,300 |
| 2021 Toyota Avalon | $282 | $484 | $376 | $1,278 |
| 2020 Toyota Avalon | $270 | $450 | $384 | $1,240 |
| 2019 Toyota Avalon | $260 | $424 | $388 | $1,208 |
| 2018 Toyota Avalon | $248 | $380 | $390 | $1,154 |
| 2017 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2016 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2015 Toyota Avalon | $220 | $306 | $402 | $1,064 |
| 2014 Toyota Avalon | $202 | $284 | $402 | $1,024 |
| 2011 Toyota Avalon | $174 | $214 | $402 | $926 |
| 2008 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2007 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2006 Toyota Avalon | $144 | $162 | $376 | $818 |
Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Toyota Avalon Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a summary of the concepts that were touched on in this article.
- Drivers who have multiple accidents or major violations may pay on average $1,480 more per year to buy Toyota Avalon insurance
- Drivers age 20 and younger have the highest car insurance rates, costing up to $394 each month if comprehensive and collision insurance is included
- Drivers can save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers can save around $150 per year just by quoting early and online
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Avalon 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 1% |
| Property Damage | -31% |
| Comprehensive | 12% |
| Personal Injury | 8% |
| Medical Payment | 0% |
| Bodily Injury | -18% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,732 |
| 20 | $2,934 |
| 30 | $1,334 |
| 40 | $1,278 |
| 50 | $1,168 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,458 |
| $500 | $1,278 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,391 |
| 100/300 | $1,485 |
| 250/500 | $1,730 |
| 100 CSL | $1,429 |
| 300 CSL | $1,636 |
| 500 CSL | $1,786 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,758 |
| 20 | $4,670 |
| 30 | $2,822 |
| 40 | $2,760 |
| 50 | $2,632 |
| 60 | $2,606 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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