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.

U.S. average insurance rates for a Toyota Avalon are $1,278 a year for full coverage. Comprehensive insurance costs around $282 each year, collision insurance costs $484, and liability insurance is estimated at $376. Liability-only insurance costs approximately $426 a year, and high-risk driver insurance costs $2,760 or more. Teenage drivers pay the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Avalon models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why all drivers should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $734
• Choosing higher $1,000 deductibles can save about $174 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,278
• Using low deductibles for comp and collision coverage will cost an extra $336 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,760
• The price for full coverage for a teen driver can be $4,732 each year

View Chart as Image

Car insurance prices for a Toyota Avalon are also quite variable based on your driving record, the trim level of your Avalon, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 131% more than a normal policy. 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 Right Toyota Avalon Insurance

Getting lower rates on Toyota Avalon insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a quick rundown of the ideas that were covered in the above illustrations.

• Teenagers are the costliest to insure, with premiums as much as $394 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,480 more every year for car insurance
• Increasing physical damage deductibles can save around $500 each year
• Drivers can save up to $150 per year just by quoting online in advance

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