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 $1,278 a year including full coverage. Comprehensive insurance costs around $282, collision costs $484, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing $2,760 or more. Teenage drivers pay the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,278

Price estimates for individual coverage:

Estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Avalon models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The best discount rate is $734
• Using higher $1,000 deductibles will save about $174 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,278
• Using pricier low deductibles for physical damage coverage will cost an additional $336 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,760 or more
• The price that insures a 16-year-old driver for full coverage can be $4,732 or more

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on the model of your Avalon, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 additional each year, depending on your age. Toyota Avalon insurance for high-risk drivers can be from 44% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

The state you live in has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Low Cost Toyota Avalon Insurance

Getting lower rates on insurance for a Toyota Avalon requires not taking risks behind the wheel, having a good credit score, being claim-free, and taking advantage of discounts. Compare prices once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a review of the data that was covered above.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Insureds who may need higher liability limits will pay an extra $410 per year to increase from a low limit to the 250/500 level
• Teens are charged the highest prices, possibly costing $394 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,480 more every 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