Toyota Avalon XL Insurance Rates
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U.S. average insurance rates for a Toyota Avalon XL are $1,280 a year with full coverage. Comprehensive costs approximately $326, collision costs $508, and liability insurance costs around $310. Just liability insurance costs as low as $370 a year, with coverage for high-risk drivers costing around $2,736. Teen drivers pay the highest rates at $4,576 a year or more.
Annual premium for full coverage: $1,280
Price estimates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Avalon Trim Level
Using a 40-year-old driver as an example, Toyota Avalon XL insurance prices go from the low end price of $370 for just the minimum liability insurance to a much higher rate of $2,736 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These price ranges demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on 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 Toyota Avalon XL Insurance
Insurance rates for a Toyota Avalon XL are also quite variable based on the model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in has a huge impact on Toyota Avalon XL insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.
Choosing high deductibles could cut prices by as much as $560 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $279 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so the rates may be quite different.
The chart above shows Toyota Avalon XL insurance prices for different risks and coverage choices. The lowest price with discounts is $738. Drivers who choose higher $1,000 deductibles will pay $1,090. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,280. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,646. High risk drivers could be charged at least $2,736. The price for full coverage insurance for a teenager can be as high as $4,576.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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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||$94|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.
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