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 $1,278 a year for full coverage. Comprehensive insurance costs on average $282 a year, collision costs $484, and liability costs $376. Liability-only insurance costs as little as $426 a year, with high-risk driver insurance costing $2,760 or more. Teenage drivers pay the most at $4,732 a year or more.

Average premium for full coverage: $1,278

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

These rate differences show why it is important to compare rates based on a specific location, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $734
• Drivers who choose higher $1,000 deductibles will pay around $1,104 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,278
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $336 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,760 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,732 a year

View Chart as Image

Insurance prices for a Toyota Avalon also have a wide range based on the trim level of your Avalon, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver 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 could save up to $510 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially 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 the Best Toyota Avalon Insurance

Finding better rates on insurance for a Toyota Avalon not only requires having a decent driving record, but also having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices at every policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a brief recap of the data touched on above.

• Insureds who require additional liability coverage will pay an extra $410 each year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• 16 to 18-year-old drivers pay higher prices, as much as $394 per month if comprehensive and collision insurance 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