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 with full coverage. Comprehensive insurance costs around $282 a year, collision insurance costs $484, and liability coverage costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance costs $2,760 or more. Teen drivers receive the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Rate estimates for individual coverage type:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below details average Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $734
• Drivers who choose higher $1,000 deductibles will pay about $1,104 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,278
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $336 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,760
• The cost for full coverage for a teenage driver can be $4,732 a year

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Where you live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $510 a year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than average. View High Risk Driver Rates

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 the Best Toyota Avalon Insurance

Saving money on auto insurance not only requires having a good driving record, but also maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a brief recap of the material that was presented in the illustrations above.

• Consumers who may need increased levels of liability coverage will pay about $410 every year to go from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, with premiums as much as $394 per month for full coverage
• Drivers who tend to receive serious violations pay an average of $1,480 more every year to buy Toyota Avalon insurance
• Increasing deductibles can save around $500 each year

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