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 rates for a Toyota Avalon are $1,278 a year including full coverage. Comprehensive insurance costs approximately $282, collision insurance costs $484, and liability is estimated at $376. A liability-only policy costs approximately $426 a year, and high-risk insurance costs $2,760 or more. Teens receive the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM 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

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes using their specific location, instead of using averaged prices.

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

More Rate Details

The chart below breaks down average Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $734
• Choosing higher $1,000 deductibles can save $174 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,278
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $336 every year
• Unlucky drivers with serious driving violations could pay around $2,760
• The cost that insures a teen driver with full coverage can cost $4,732 each year

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges as much as 44% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

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

Saving money on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

Below you'll find a review of the information covered above.

• You may be able to save around $150 per year just by shopping early and online
• Youthful drivers are expensive to insure, as much as $394 per month if full coverage is included
• Increasing deductibles can save approximately $500 each year
• Higher risk drivers who have several accidents or serious violations will likely pay on average $1,480 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay approximately $410 per year to raise limits from a minimum limit to the 250/500 level

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