Toyota Avalon Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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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 including full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $502, and liability is estimated at $364. Buying just liability costs approximately $416 a year, and insurance for high-risk drivers costs $2,804 or more. 16-year-old 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:

Comprehensive $298
Collision $502
Liability $364

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Avalon models.

Price Range Variability

For the average 40-year-old driver, Toyota Avalon insurance rates range from the cheapest price of $416 for just liability coverage to a high rate of $2,804 for a driver who has had serious violations or accidents.

Liability Only $416
Full Coverage $1,300
High Risk $2,804

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

The examples above highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The best full coverage rate is $747
  • Choosing higher $1,000 deductibles can save about $182 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,300
  • Buying low deductibles for comp and collision coverage costs an extra $350 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,804
  • Policy cost to insure a 16-year-old driver can be $4,770 each year

View Chart as Image

Toyota Avalon insurance cost comparison chart
Column chart showing Toyota Avalon insurance prices range from $747 to $4,770 for full coverage

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

Opting for high physical damage deductibles can save as much as $540 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay 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 are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 129% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

Toyota Avalon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$126 -9.7%
Alaska $996 -$304 -23.4%
Arizona $1,076 -$224 -17.2%
Arkansas $1,300 -$0 0.0%
California $1,482 $182 14.0%
Colorado $1,240 -$60 -4.6%
Connecticut $1,334 $34 2.6%
Delaware $1,468 $168 12.9%
Florida $1,624 $324 24.9%
Georgia $1,202 -$98 -7.5%
Hawaii $934 -$366 -28.2%
Idaho $882 -$418 -32.2%
Illinois $968 -$332 -25.5%
Indiana $980 -$320 -24.6%
Iowa $874 -$426 -32.8%
Kansas $1,232 -$68 -5.2%
Kentucky $1,772 $472 36.3%
Louisiana $1,922 $622 47.8%
Maine $804 -$496 -38.2%
Maryland $1,074 -$226 -17.4%
Massachusetts $1,036 -$264 -20.3%
Michigan $2,256 $956 73.5%
Minnesota $1,090 -$210 -16.2%
Mississippi $1,556 $256 19.7%
Missouri $1,154 -$146 -11.2%
Montana $1,396 $96 7.4%
Nebraska $1,024 -$276 -21.2%
Nevada $1,558 $258 19.8%
New Hampshire $936 -$364 -28.0%
New Jersey $1,452 $152 11.7%
New Mexico $1,150 -$150 -11.5%
New York $1,368 $68 5.2%
North Carolina $748 -$552 -42.5%
North Dakota $1,064 -$236 -18.2%
Ohio $896 -$404 -31.1%
Oklahoma $1,332 $32 2.5%
Oregon $1,190 -$110 -8.5%
Pennsylvania $1,238 -$62 -4.8%
Rhode Island $1,732 $432 33.2%
South Carolina $1,178 -$122 -9.4%
South Dakota $1,098 -$202 -15.5%
Tennessee $1,138 -$162 -12.5%
Texas $1,566 $266 20.5%
Utah $962 -$338 -26.0%
Vermont $888 -$412 -31.7%
Virginia $776 -$524 -40.3%
Washington $1,004 -$296 -22.8%
West Virginia $1,190 -$110 -8.5%
Wisconsin $898 -$402 -30.9%
Wyoming $1,154 -$146 -11.2%

View Chart as Image

Toyota Avalon insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Avalon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Avalon XL $1,220 $102
Toyota Avalon XLS $1,300 $108
Toyota Avalon Limited $1,340 $112

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.

Toyota Avalon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Toyota Avalon $308 $524 $354 $1,322
2021 Toyota Avalon $298 $502 $364 $1,300
2020 Toyota Avalon $282 $484 $376 $1,278
2019 Toyota Avalon $270 $450 $384 $1,240
2018 Toyota Avalon $260 $424 $388 $1,208
2017 Toyota Avalon $248 $380 $390 $1,154
2016 Toyota Avalon $232 $350 $390 $1,108
2015 Toyota Avalon $224 $328 $394 $1,082
2014 Toyota Avalon $220 $306 $402 $1,064
2011 Toyota Avalon $184 $236 $402 $958
2008 Toyota Avalon $166 $188 $390 $880
2007 Toyota Avalon $162 $178 $384 $860
2006 Toyota Avalon $148 $170 $380 $834
2005 Toyota Avalon $144 $162 $376 $818

Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Toyota Avalon Insurance

Finding cheaper rates on insurance for a Toyota Avalon takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a review of the ideas that were touched on in this article.

  • Teenagers pay higher rates, with premiums being up to $398 each month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,500 more every year for car insurance
  • 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 in advance

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.

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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
Vehicle TestedOverallFrontalSideRollover
2021 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2021 Toyota Avalon 4 DR AWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2012 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars
2011 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars

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
Insurance Coverage CategoryLoss Rate
Collision1%
Property Damage-31%
Comprehensive12%
Personal Injury8%
Medical Payment0%
Bodily Injury-18%

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.

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

Rates by Driver Age

Toyota Avalon Insurance Rates by Driver Age
Driver Age Premium
16 $4,770
20 $2,978
30 $1,360
40 $1,300
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,650
$250 $1,488
$500 $1,300
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,413
100/300 $1,504
250/500 $1,740
100 CSL $1,449
300 CSL $1,649
500 CSL $1,795

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Insurance Rates for High Risk Drivers
Age Premium
16 $6,820
20 $4,738
30 $2,868
40 $2,804
50 $2,672
60 $2,648

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $60
Advance Quote $64
Online Quote $93
Total Discounts $553
Rate after discounts $747

Discounts are estimated and may not be available from every company or in every state.

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