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.

Estimated insurance rates for a Toyota Avalon are $1,300 a year for full coverage insurance. Comprehensive insurance costs on average $298 each year, collision insurance costs $502, and liability is $364. A liability-only policy costs around $416 a year, and high-risk insurance costs $2,804 or more. 16-year-old drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Avalon models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $747
• Raising to $1,000 deductibles will save around $182 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,300
• Buying low deductibles will cost an extra $350 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,804
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,770

View Chart as Image

Auto insurance prices for a Toyota Avalon also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Avalon insurance prices. A middle-age driver might find prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

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 Cheap Toyota Avalon Insurance

Finding better rates on insurance for a Toyota Avalon consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the information touched on above.

• It is possible to save as much as $160 per year just by quoting online in advance
• Teen drivers are charged the highest prices, with premiums being up to $398 per month if they have full coverage
• Increasing policy deductibles can save around $525 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,500 more each year to insure their Avalon
• Insureds who require more liability coverage will pay around $400 annually to raise from 30/60 bodily injury limits to 250/500 limits

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