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 $1,300 a year for full coverage insurance. Comprehensive insurance costs on average $298 each year, collision costs $502, and liability coverage costs around $364. A liability-only policy costs as low as $416 a year, with high-risk insurance costing $2,804 or more. 16-year-old drivers receive the highest rates at $4,770 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $747
• Using higher $1,000 deductibles will save around $182 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,300
• Buying low deductibles for physical damage coverage will cost an additional $350 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,804 or more
• The cost that insures a teenage driver may cost $4,770 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on Toyota Avalon insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

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 auto insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Comparison shop every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the coverage data presented in the illustrations above.

• It is possible to save as much as $160 per year simply by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• Youthful drivers pay the highest rates, costing up to $398 per month if full coverage is included
• Drivers who have several accidents or serious violations may pay on average $1,500 more each year than a low-risk driver

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