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.

Estimated insurance rates for a Toyota Avalon are $1,300 a year for full coverage. Comprehensive insurance costs on average $298 each year, collision insurance costs $502, and liability is $364. A policy with only liability insurance costs around $416 a year, and a high-risk policy costs $2,804 or more. Teens pay the most at up to $4,770 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Avalon models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $747
• Raising to $1,000 deductibles will save around $182 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,300
• Selecting low deductibles will cost an extra $350 every year
• At-risk drivers with serious driving violations could pay upwards of $2,804
• An auto insurance policy for full coverage for a teen driver may cost $4,770

View Chart as Image

Car insurance prices for a Toyota Avalon also have a wide range based on your driving characteristics, the trim level of your Avalon, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Avalon insurance prices. A middle-age driver might find prices as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

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 Right Toyota Avalon Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a quick rundown of the car insurance concepts illustrated above.

• Higher risk drivers with reckless driving or DUI convictions will pay on average $1,500 more each year to insure a Toyota Avalon
• Drivers can save as much as $160 per year just by quoting online in advance
• Increasing policy deductibles can save around $525 each year
• Policyholders who require increased liability limits will pay approximately $400 each year to raise from 30/60 bodily injury limits to 250/500 limits

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