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.

Average insurance rates for a Toyota Avalon are $818 a year for full coverage. Comprehensive costs on average $144, collision insurance costs $162, and liability costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $1,740. Teens receive the highest rates at up to $3,264 a year.

Average premium for full coverage: $818

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $503
• Using higher $1,000 deductibles will save around $72 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $818
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $946
• Drivers with serious driving violations could pay upwards of $1,740
• The cost that insures a teen driver with full coverage may cost $3,264 or more

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,000 to $1,400 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $3,200 a year. View Rates by Age

Where you live has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $540 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,170 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $200 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 1996 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 Low Cost Toyota Avalon Insurance

Saving money on car insurance requires having a good driving record, having above-average credit, eliminating unneeded coverage, and determing if full coverage is necessary. Compare rates every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the information covered above.

• Drivers can save as much as $90 per year just by shopping early and online
• Drivers age 20 and younger pay the highest rates, costing as high as $272 per month if full coverage is included
• Increasing deductibles can save approximately $200 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $920 more each year to buy Toyota Avalon insurance
• Policyholders who require increased levels of liability coverage will pay approximately $410 each year to increase from a minimum 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.

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.

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