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 $1,278 a year with full coverage. Comprehensive insurance costs on average $282, collision costs $484, and liability coverage is $376. A policy with just liability insurance costs around $426 a year, with coverage for high-risk drivers costing $2,760 or more. 16-year-old drivers receive the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare rates quotes based on a specific location, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $734
• Raising to $1,000 deductibles will save around $174 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,278
• Buying pricier low deductibles will cost an additional $336 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,760 or more
• The cost that insures a teenage driver for full coverage may cost $4,732

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on the model of your Avalon, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. Toyota Avalon insurance for high-risk drivers is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you live also has a big influence on Toyota Avalon insurance rates. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $510 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.

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 More Affordable Toyota Avalon Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a summary of the ideas that were covered above.

• Teens pay higher rates, with premiums as much as $394 per month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,480 more each year for Avalon insurance
• Increasing deductibles can save approximately $500 each year
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date

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