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 rates for a Toyota Avalon are $1,300 a year including full coverage. Comprehensive costs on average $298, collision insurance costs $502, and liability 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. Teens pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Rates are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Avalon models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

The ranges above highlight why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $747
• Drivers who choose higher $1,000 deductibles will pay around $182 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,300
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,650
• Drivers with serious driving violations could pay upwards of $2,804
• The price for full coverage for a 16-year-old driver for full coverage may cost $4,770 a year

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on your driving record, the model of your Avalon, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost from 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 Best Cheap Toyota Avalon Insurance

Getting lower rates on insurance for a Toyota Avalon not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,500 more each year for Avalon insurance
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $525 each year
• Insureds who require higher liability limits will pay approximately $400 per year to go from a low limit 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