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.

Estimated insurance rates for a Toyota Avalon are $1,300 a year with full coverage. Comprehensive costs approximately $298 a year, collision costs $502, and liability coverage costs $364. Liability-only insurance costs as little as $416 a year, with high-risk driver insurance costing around $2,804. 16-year-old drivers pay the most at $4,770 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why it is important to compare rates using their specific location and risk profile, rather than using rate averages.

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

Additional Rate Details

The chart below details estimated Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $747
• Drivers who choose higher $1,000 deductibles will pay $1,118 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,650
• High-risk insureds with multiple tickets or accidents could pay around $2,804 or more
• An auto insurance policy for full coverage for a teenage driver can cost $4,770 a year

View Chart as Image

Insurance prices for a Toyota Avalon also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially different from one company to the next.

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 Cheapest Toyota Avalon Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a recap of the coverage data covered in the above illustrations.

• You may be able to save around $160 per year simply by quoting early and online
• Increasing policy deductibles can save around $525 each year
• Teenage drivers are the costliest to insure, possibly costing $398 per month including comprehensive and collision insurance
• Drivers that have major violations or accidents pay on average $1,500 more per year for auto insurance

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