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.

The average auto insurance rates for a Toyota Avalon are $1,300 annually with full coverage. Comprehensive costs approximately $298, collision insurance costs $502, and liability insurance is estimated at $364. Buying just liability costs approximately $416 a year, and insurance for high-risk drivers costs around $2,804. Teens cost the most to insure at up to $4,770 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Avalon trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on 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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $747
• Choosing higher $1,000 deductibles can save $182 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,650
• High-risk insureds with serious driving violations could pay around $2,804
• Policy cost with full coverage for a teen driver with full coverage can cost $4,770 each year

View Chart as Image

Insurance rates for a Toyota Avalon also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect 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 caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Utah, Ohio, and New Hampshire, or have to pay at least $1,750 on average in New York, Michigan, and Florida.

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 the Best Cheap Toyota Avalon Insurance

Finding cheaper rates on Toyota Avalon insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the coverage data touched on in the above illustrations.

• You may be able to save around $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teens are expensive to insure, as much as $398 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,500 more per year for Avalon insurance

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