Toyota Avalon Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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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.

Average insurance rates for a Toyota Avalon are $818 a year for full coverage. Comprehensive costs on average $144 a year, collision costs $162, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $1,740. Teen drivers receive the highest rates at $3,264 a year or more.

Average premium for full coverage: $818

Rate estimates by individual coverage type:

Comprehensive $144
Collision $162
Liability $376

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Avalon trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $426 for only liability insurance to a high of $1,740 for a high risk driver.

Liability Only $426
Full Coverage $818
High Risk $1,740

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $614
Small Cities $859
Large Cities $1,104

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $503
  • Drivers who choose higher $1,000 deductibles will pay around $746 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $818
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $946
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,740 or more
  • The cost for full coverage for a teen driver may cost $3,264 a year

View Chart as Image

Toyota Avalon insurance cost comparison chart
Column chart showing full coverage Toyota Avalon insurance rates range from $503 to $3,264

for a Toyota Avalon can also vary considerably based on your driver profile, the trim level of your Avalon, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,200 a year. View Rates by Age

Where you live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $540 a year in states like Idaho, Maine, and Iowa, or as much as $1,170 on average in Michigan, Louisiana, and New York.

Toyota Avalon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $738 -$80 -9.8%
Alaska $626 -$192 -23.5%
Arizona $676 -$142 -17.4%
Arkansas $818 -$0 0.0%
California $930 $112 13.7%
Colorado $778 -$40 -4.9%
Connecticut $838 $20 2.4%
Delaware $922 $104 12.7%
Florida $1,020 $202 24.7%
Georgia $756 -$62 -7.6%
Hawaii $586 -$232 -28.4%
Idaho $554 -$264 -32.3%
Illinois $606 -$212 -25.9%
Indiana $616 -$202 -24.7%
Iowa $550 -$268 -32.8%
Kansas $776 -$42 -5.1%
Kentucky $1,112 $294 35.9%
Louisiana $1,208 $390 47.7%
Maine $504 -$314 -38.4%
Maryland $674 -$144 -17.6%
Massachusetts $650 -$168 -20.5%
Michigan $1,418 $600 73.3%
Minnesota $684 -$134 -16.4%
Mississippi $978 $160 19.6%
Missouri $726 -$92 -11.2%
Montana $876 $58 7.1%
Nebraska $642 -$176 -21.5%
Nevada $978 $160 19.6%
New Hampshire $590 -$228 -27.9%
New Jersey $912 $94 11.5%
New Mexico $720 -$98 -12.0%
New York $858 $40 4.9%
North Carolina $468 -$350 -42.8%
North Dakota $670 -$148 -18.1%
Ohio $562 -$256 -31.3%
Oklahoma $838 $20 2.4%
Oregon $748 -$70 -8.6%
Pennsylvania $776 -$42 -5.1%
Rhode Island $1,090 $272 33.3%
South Carolina $740 -$78 -9.5%
South Dakota $688 -$130 -15.9%
Tennessee $716 -$102 -12.5%
Texas $982 $164 20.0%
Utah $604 -$214 -26.2%
Vermont $556 -$262 -32.0%
Virginia $488 -$330 -40.3%
Washington $628 -$190 -23.2%
West Virginia $748 -$70 -8.6%
Wisconsin $564 -$254 -31.1%
Wyoming $726 -$92 -11.2%

View Chart as Image

Toyota Avalon insurance rates by U.S. city

Choosing high deductibles could save up to $200 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $788 $66
Toyota Avalon XLS $818 $68
Toyota Avalon Limited $832 $69

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.

Toyota Avalon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Toyota Avalon $260 $424 $388 $1,208
2014 Toyota Avalon $248 $380 $390 $1,154
2011 Toyota Avalon $220 $306 $402 $1,064
2008 Toyota Avalon $184 $236 $402 $958
2007 Toyota Avalon $174 $214 $402 $926
2006 Toyota Avalon $168 $192 $398 $894
2005 Toyota Avalon $166 $188 $390 $880
2004 Toyota Avalon $162 $178 $384 $860
2003 Toyota Avalon $148 $170 $380 $834
2002 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 Find Cheaper Toyota Avalon Insurance

Saving money on Toyota Avalon insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $200 each year
  • Drivers can save as much as $90 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $272 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $920 more each year for insurance

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
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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%
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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 $3,264
20 $1,848
30 $832
40 $818
50 $750
60 $736

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Insurance Rates with Different Deductibles
Deductible Premium
$100 $946
$250 $888
$500 $818
$1,000 $746

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $818
50/100 $907
100/300 $1,001
250/500 $1,246
100 CSL $945
300 CSL $1,152
500 CSL $1,302

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Insurance Rates for High Risk Drivers
Age Premium
16 $4,586
20 $2,936
30 $1,756
40 $1,740
50 $1,662
60 $1,642

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 $106

Potential Rate Discounts

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

Discount Savings
Multi-policy $41
Multi-vehicle $43
Homeowner $14
5-yr Accident Free $48
5-yr Claim Free $50
Paid in Full/EFT $29
Advance Quote $35
Online Quote $55
Total Discounts $315
Rate after discounts $503

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

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