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 insurance prices for a Toyota Avalon are $1,300 every 12 months with full coverage. Comprehensive insurance costs around $298, collision insurance costs $502, and liability costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs $2,804 or more. Teen drivers cost the most to insure at up to $4,770 a year.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $747
• Drivers who choose higher $1,000 deductibles will pay about $182 annually
• The average price for a good driver age 40 using $500 deductibles is $1,300
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $350 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,804
• Policy cost to insure a 16-year-old driver for full coverage can be $4,770 a year

View Chart as Image

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

Choosing high deductibles could save up to $540 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost from 44% to 129% more than average. View High Risk Driver Rates

Your home state makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

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 Shop for Cheap Toyota Avalon Insurance

Finding cheaper rates on insurance for a Toyota Avalon not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The list below is a brief summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,500 more every year for car insurance
• Teenagers are the costliest to insure, as much as $398 each month if the policy includes full coverage
• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date

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