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.

The average auto insurance rates for a Toyota Avalon are $1,278 annually including full coverage. Comprehensive costs approximately $282, collision insurance costs $484, and liability is $376. Liability-only insurance costs around $426 a year, and high-risk driver insurance costs around $2,760. Teen drivers cost the most to insure at up to $4,732 a year.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Avalon trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $734
• Raising to $1,000 deductibles will save $174 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,278
• Choosing more expensive low deductibles will cost $1,614
• Drivers with multiple violations and an at-fault accident could pay around $2,760
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,732

View Chart as Image

Auto insurance rates for a Toyota Avalon also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $510 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Avalon insurance prices. A middle-age driver might find rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy More Affordable Toyota Avalon Insurance

Finding cheaper rates on insurance for a Toyota Avalon consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a summary of the data raised in the charts and tables above.

• Insureds who purchase more liability coverage will pay about $410 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $394 each month if full coverage is included

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