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.

U.S. average insurance prices for a Toyota Avalon are $818 every 12 months with full coverage. Comprehensive costs an estimated $144 a year, collision costs $162, and liability coverage is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $1,740. Teens pay the highest rates at $3,264 a year or more.

Average premium for full coverage: $818

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $503
• Choosing higher $1,000 deductibles can save approximately $746 annually
• The average price for the average middle-age driver who has $500 deductibles is $818
• Selecting low $100 deductibles for comp and collision coverage increases the price to $946
• Drivers with serious driving violations could pay up to $1,740 or more
• The price to insure a teenage driver can cost as much as $3,264 each year

View Chart as Image

Auto insurance prices for a Toyota Avalon are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $200 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $3,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 136% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different.

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 Shop for the Best Cheap Toyota Avalon Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the ideas that were covered in the above illustrations.

• Teenagers are the costliest to insure, costing up to $272 a month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation may pay on average $920 more annually for car insurance
• Increasing physical damage deductibles could save as much as $200 each year
• You may be able to save approximately $90 per year simply by quoting early and online

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