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 auto insurance rates for a Toyota Avalon are $1,300 annually with full coverage. Comprehensive insurance costs an estimated $298 each year, collision insurance costs $502, and liability costs around $364. A liability-only policy costs as low 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 broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details average Toyota Avalon insurance rates for other coverage scenarios.

• The lowest rate with discounts is $747
• Using higher $1,000 deductibles will save approximately $182 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,300
• Choosing low deductibles for physical damage coverage costs an additional $350 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,804
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,770 or more

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.

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 Buy Affordable Toyota Avalon Insurance

Finding cheaper rates on insurance for a Toyota Avalon requires being a low-risk driver, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to comparison shop once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the data that was touched on in the above illustrations.

• You may be able to save approximately $160 per year just by quoting online in advance
• Insureds who want more liability coverage will pay about $400 every year to increase from a 30/60 limit to higher 250/500 limits
• Teen drivers have the highest car insurance rates, as much as $398 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,500 more annually to insure their Avalon

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