2013 Toyota Avalon Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2013 Toyota Avalon are $1,154 a year for full coverage. Comprehensive costs on average $248 a year, collision insurance costs $380, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,484. Teen drivers receive the highest rates at up to $4,344 a year.
Annual premium for full coverage: $1,154
Rate estimates for 2013 Toyota Avalon Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Toyota Avalon models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $438 for just liability coverage to a high of $2,484 for a driver who has had serious violations or accidents.
These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Toyota Avalon Insurance
Searching for better auto insurance rates for your Toyota Avalon? Scraping up a payment for overpriced Toyota Avalon insurance can drain your savings account and force you to make sacrifices. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.
You have multiple insurers to buy insurance from, and even though it’s nice to have a selection, it can be more difficult to find the best rates.
Smart consumers take time to compare rates on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best deal on Avalon coverage a year ago you may be paying too much now. There is too much inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to quit paying high auto insurance rates.
Do you qualify for a discount?
Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but some must be inquired about prior to getting the savings.
- Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
- Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
- Auto/Life Discount – Some companies give a break if you buy life insurance.
- Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy on Avalon coverage.
- Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce your premiums.
For a list of providers offering insurance discounts, click here.
How to Compare Insurance Costs
The are a couple different ways of comparing rate quotes and find the best price. One of the best ways to find the cheapest 2013 Toyota Avalon insurance rates is to get quotes online. This is very easy and can be done in a couple of different ways.
One of the simplest ways to find low rates is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do separate quotes to each individual insurance company. Filling out one form will return price quotes from multiple low-cost companies.
Another way to compare rate quotes requires a visit to each company’s website to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Nationwide, Farmers and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The most time-consuming method to compare rates is to spend time driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local agent. You can, however, get the lowest quotes online and still use a local agent.
It’s up to you which method you use, but compare exactly the same quote information for every quote you compare. If each company quotes mixed coverages it’s impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages can make a big difference in price. It’s important to know that obtaining a wide range of quotes will improve the odds of getting the best offered rates.
Toyota Avalon insurance rates can be determined by these details
An important part of buying insurance is that you know the rating factors that go into determining car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.
Listed below are a partial list of the pieces companies use to determine prices.
- Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Toyota Avalon is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- Mature drivers pay less – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers are known to be more careless when behind the wheel therefore car insurance rates are much higher.
- High deductibles save money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Toyota from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive on Avalon coverage.
- Where you reside plays a part – Being located in a rural area has it’s advantages when it comes to car insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
- Consolidate policies to earn discounts – Most insurance companies provide better rates to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even with this discount, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
What coverages do I need?
When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs may require specific advice.
- Does car insurance cover theft of personal property?
- Who is covered by my policy?
- Is my custom paint covered by insurance?
- What is the difference between comprehensive and collision coverage?
- Does my car insurance cover rental cars?
- Is extra glass coverage worth it?
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Car insurance coverage breakdown
Learning about specific coverages of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.
Collision insurance covers damage to your Avalon resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a building, backing into a parked car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.
Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as medical services, legal defense fees, emergency aid, medical expenses and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding, rock chips in glass, vandalism and a broken windshield. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like EMT expenses, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Save for a rainy day
Throughout this article, we presented quite a bit of information on how to reduce 2013 Toyota Avalon insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest premiums are with a small mutual company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.
The cheapest insurance is attainable online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
More detailed auto insurance information can be read in the articles below:
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Child Safety FAQ (iihs.org)
- Booster Seat Ratings (iihs.org)
Rates by U.S. City
|New York City, NY||$1,824|
|Los Angeles, CA||$1,974|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$80|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.