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 for full coverage insurance. Comprehensive insurance costs an estimated $298 a year, collision costs $502, and liability coverage costs $364. Liability-only coverage costs as little as $416 a year, with high-risk coverage costing $2,804 or more. Teens pay the highest rates at $4,770 a year or more.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Rates are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location impacts insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below illustrates estimated Toyota Avalon insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $747
• Drivers who choose higher $1,000 deductibles will pay approximately $1,118 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,300
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $350 each year
• High-risk insureds with serious driving violations could pay up to $2,804 or more
• The price for full coverage for a teenage driver can cost as much as $4,770 a year

View Chart as Image

Auto insurance prices for a Toyota Avalon are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 the Best Cheap Toyota Avalon Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a quick review of the material that was touched on above.

• Consumers who want higher liability limits will pay approximately $400 annually to go from a low limit to 250/500 limits
• Teens are the costliest to insure, as much as $398 a month if they have full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,500 more annually for Avalon insurance
• Increasing physical damage deductibles can save around $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