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 auto insurance rates for a Toyota Avalon are $818 annually including full coverage. Comprehensive insurance costs on average $144, collision costs $162, and liability coverage costs around $376. Liability-only coverage costs as low as $426 a year, with high-risk coverage 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 by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

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

These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Toyota Avalon insurance rates for different risk profiles and scenarios.

• The best discount rate is $503
• Using higher $1,000 deductibles will save around $72 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $818
• Using pricier low deductibles for physical damage coverage costs an additional $128 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,740 or more
• The cost with full coverage for a teenage driver for full coverage may cost $3,264 or more

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles may only pay around $800 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $3,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,400 extra per year, depending on your age. Toyota Avalon insurance for high-risk drivers can be around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $200 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

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

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy Low Cost Toyota Avalon Insurance

Saving money on auto insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a review of the car insurance concepts covered above.

• Drivers who have several accidents or serious violations pay on average $920 more each year to insure a Toyota Avalon
• You may be able to save as much as $90 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $200 each year
• Consumers who require increased liability limits will pay an extra $410 per year to increase from a minimum limit to higher 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.

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