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.

Average insurance prices for a Toyota Avalon are $818 every 12 months including full coverage. Comprehensive insurance costs an estimated $144, collision costs $162, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing $1,740 or more. Teenage drivers receive the highest rates at $3,264 a year or more.

Average premium for full coverage: $818

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $503
• Using higher $1,000 deductibles will save approximately $72 every year
• The average price for a 40-year-old driver who has $500 deductibles is $818
• Using more expensive low deductibles for physical damage coverage costs an extra $128 annually
• High-risk insureds who are prone to accidents and violations could pay up to $1,740 or more
• The cost to insure a 16-year-old driver with full coverage can cost as much as $3,264 or more

View Chart as Image

Auto insurance rates for a Toyota Avalon can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $200 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $800 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $3,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,000 to $1,400 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $630 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,170 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 1996 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 Shop for the Best Cheap Toyota Avalon Insurance

Saving money on insurance for a Toyota Avalon requires having a decent driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a quick review of the data covered above.

• Insureds who want additional liability coverage will pay an extra $410 per year to increase from a minimum limit to a 250/500 level
• You may be able to save approximately $90 per year simply by shopping early and online
• Increasing deductibles could save as much as $200 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $272 per month if comprehensive and collision insurance is included

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.

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.

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