Toyota Avalon Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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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.

Average auto insurance rates for a Toyota Avalon are $818 annually including full coverage. Comprehensive insurance costs approximately $144 each year, collision costs $162, and liability coverage is estimated at $376. Buying just liability costs approximately $426 a year, with insurance for high-risk drivers costing $1,740 or more. Teenage drivers receive the highest rates at $3,264 a year or more.

Average premium for full coverage: $818

Rate estimates by individual coverage type:

Comprehensive $144
Collision $162
Liability $376

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Avalon models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $426 for basic liability insurance to a high rate of $1,740 for a driver who requires high-risk insurance.

Liability Only $426
Full Coverage $818
High Risk $1,740

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $614
Small Cities $859
Large Cities $1,104

These examples highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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.

Rate Comparisons

The chart below breaks down estimated Toyota Avalon insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $503
  • Choosing higher $1,000 deductibles can save $72 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $818
  • Using low deductibles for comp and collision coverage costs an additional $128 each year
  • Drivers who are prone to accidents and violations could pay around $1,740 or more
  • The cost with full coverage for a teenage driver can cost $3,264 each year

View Chart as Image

Toyota Avalon insurance cost comparison chart
Column chart showing full coverage Toyota Avalon insurance prices range from $503 to $3,264

Auto insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $800 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $200 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,170 on average in Louisiana, New York, and Michigan.

Toyota Avalon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $738 -$80 -9.8%
Alaska $626 -$192 -23.5%
Arizona $676 -$142 -17.4%
Arkansas $818 -$0 0.0%
California $930 $112 13.7%
Colorado $778 -$40 -4.9%
Connecticut $838 $20 2.4%
Delaware $922 $104 12.7%
Florida $1,020 $202 24.7%
Georgia $756 -$62 -7.6%
Hawaii $586 -$232 -28.4%
Idaho $554 -$264 -32.3%
Illinois $606 -$212 -25.9%
Indiana $616 -$202 -24.7%
Iowa $550 -$268 -32.8%
Kansas $776 -$42 -5.1%
Kentucky $1,112 $294 35.9%
Louisiana $1,208 $390 47.7%
Maine $504 -$314 -38.4%
Maryland $674 -$144 -17.6%
Massachusetts $650 -$168 -20.5%
Michigan $1,418 $600 73.3%
Minnesota $684 -$134 -16.4%
Mississippi $978 $160 19.6%
Missouri $726 -$92 -11.2%
Montana $876 $58 7.1%
Nebraska $642 -$176 -21.5%
Nevada $978 $160 19.6%
New Hampshire $590 -$228 -27.9%
New Jersey $912 $94 11.5%
New Mexico $720 -$98 -12.0%
New York $858 $40 4.9%
North Carolina $468 -$350 -42.8%
North Dakota $670 -$148 -18.1%
Ohio $562 -$256 -31.3%
Oklahoma $838 $20 2.4%
Oregon $748 -$70 -8.6%
Pennsylvania $776 -$42 -5.1%
Rhode Island $1,090 $272 33.3%
South Carolina $740 -$78 -9.5%
South Dakota $688 -$130 -15.9%
Tennessee $716 -$102 -12.5%
Texas $982 $164 20.0%
Utah $604 -$214 -26.2%
Vermont $556 -$262 -32.0%
Virginia $488 -$330 -40.3%
Washington $628 -$190 -23.2%
West Virginia $748 -$70 -8.6%
Wisconsin $564 -$254 -31.1%
Wyoming $726 -$92 -11.2%

View Chart as Image

Toyota Avalon insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Toyota Avalon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Avalon XL $788 $66
Toyota Avalon XLS $818 $68
Toyota Avalon Limited $832 $69

Rates assume 1996 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.

Toyota Avalon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Toyota Avalon $232 $350 $390 $1,108
2014 Toyota Avalon $224 $328 $394 $1,082
2011 Toyota Avalon $198 $258 $406 $998
2008 Toyota Avalon $168 $192 $398 $894
2007 Toyota Avalon $166 $188 $390 $880
2006 Toyota Avalon $162 $178 $384 $860
2005 Toyota Avalon $148 $170 $380 $834
2004 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 Buy Cheaper Toyota Avalon Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The list below is a condensed summary of the concepts that were presented in the illustrations above.

  • Drivers with multiple at-fault accidents may have to pay on average $920 more per year for car insurance
  • Teenagers have the highest car insurance rates, as much as $272 per month if full coverage is included
  • You may be able to save around $90 per year simply by quoting online in advance
  • Increasing deductibles could save up to $200 each year
  • You may be able to save around $90 per year simply by quoting online in advance

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 TestedOverallFrontalSideRollover
2021 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2021 Toyota Avalon 4 DR AWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2012 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars
2011 Toyota Avalon 4 DR FWDN/RN/RN/R4 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 CategoryLoss Rate
Collision1%
Property Damage-31%
Comprehensive12%
Personal Injury8%
Medical Payment0%
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

  1. https://www.iihs.org/ratings/vehicle/toyota/avalon-4-door-sedan/2020

Rates by Driver Age

Toyota Avalon Insurance Rates by Driver Age
Driver Age Premium
16 $3,264
20 $1,848
30 $832
40 $818
50 $750
60 $736

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Insurance Rates with Different Deductibles
Deductible Premium
$100 $946
$250 $888
$500 $818
$1,000 $746

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $818
50/100 $907
100/300 $1,001
250/500 $1,246
100 CSL $945
300 CSL $1,152
500 CSL $1,302

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Insurance Rates for High Risk Drivers
Age Premium
16 $4,586
20 $2,936
30 $1,756
40 $1,740
50 $1,662
60 $1,642

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.

SR-22 Surcharge $106

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $41
Multi-vehicle $43
Homeowner $14
5-yr Accident Free $48
5-yr Claim Free $50
Paid in Full/EFT $29
Advance Quote $35
Online Quote $55
Total Discounts $315
Rate after discounts $503

Discounts are estimated and may not be available from every company or in every state.

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