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 $1,300 a year for full coverage. Comprehensive costs an estimated $298, collision insurance costs $502, and liability coverage costs $364. A policy with just liability insurance costs as little as $416 a year, and coverage for high-risk drivers costs around $2,804. Teenage drivers receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

These examples show why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $747
• Drivers who choose higher $1,000 deductibles will pay approximately $182 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,300
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,650
• High-risk insureds who are prone to accidents and violations could pay up to $2,804
• The cost that insures a teenage driver with full coverage can cost as much as $4,770 a year

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 liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost around 44% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 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 $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $540 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

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 Find the Best Cheap Toyota Avalon Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the data that was covered in the above illustrations.

• Drivers can save approximately $160 per year just by shopping early and online
• Consumers who want more liability protection will pay an extra $400 each year to go from a minimum limit to the 250/500 level
• Youthful drivers are expensive to insure, costing as high as $398 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation may pay on average $1,500 more annually than a low-risk driver

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