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 $1,300 a year for full coverage insurance. Comprehensive insurance costs on average $298, collision insurance costs $502, and liability is estimated at $364. A policy with just liability insurance costs approximately $416 a year, and coverage for high-risk drivers costs $2,804 or more. Teenage drivers pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes 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.

More Rate Details

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

• The best discount rate is $747
• Choosing higher $1,000 deductibles can save around $182 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,300
• Using more expensive low deductibles for comp and collision coverage will cost an additional $350 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,804
• The price that insures a 16-year-old driver with full coverage may cost $4,770 each year

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $540 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

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 Cheap Toyota Avalon Insurance

Getting lower rates on insurance for a Toyota Avalon takes avoiding accidents and claims, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the information touched on in this article.

• It is possible to save as much as $160 per year just by shopping early and online
• Drivers under the age of 20 pay the highest prices, as much as $398 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,500 more each year to insure a Toyota Avalon
• Insureds who require increased liability limits will pay an extra $400 annually to raise limits from a low limit to the 250/500 level

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