Toyota Avalon Insurance Rates
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UPDATED: Jun 1, 2023
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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 auto insurance rates for a Toyota Avalon are $818 annually with full coverage. Comprehensive insurance costs an estimated $144, collision costs $162, and liability insurance is $376. Liability-only insurance costs around $426 a year, with high-risk driver insurance costing $1,740 or more. 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:
Price estimates include $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 for different Avalon trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota Avalon insurance prices go from as cheap as $426 for liability-only coverage to a much higher rate of $1,740 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details estimated Toyota Avalon insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $503
- Raising to $1,000 deductibles will save approximately $72 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $818
- Selecting more expensive low deductibles costs an additional $128 a year
- Higher-risk drivers with serious driving violations could pay up to $1,740 or more
- The price with full coverage for a teen driver with full coverage can cost as much as $3,264
Car insurance prices for a Toyota Avalon are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $3,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $200 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Toyota Avalon insurance rates. A middle-age driver might find prices 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $738 | -$80 | -9.8% |
| Alaska | $626 | -$192 | -23.5% |
| Arizona | $676 | -$142 | -17.4% |
| Arkansas | $818 | -$0 | 0.0% |
| California | $930 | $112 | 13.7% |
| Colorado | $778 | -$40 | -4.9% |
| Connecticut | $838 | $20 | 2.4% |
| Delaware | $922 | $104 | 12.7% |
| Florida | $1,020 | $202 | 24.7% |
| Georgia | $756 | -$62 | -7.6% |
| Hawaii | $586 | -$232 | -28.4% |
| Idaho | $554 | -$264 | -32.3% |
| Illinois | $606 | -$212 | -25.9% |
| Indiana | $616 | -$202 | -24.7% |
| Iowa | $550 | -$268 | -32.8% |
| Kansas | $776 | -$42 | -5.1% |
| Kentucky | $1,112 | $294 | 35.9% |
| Louisiana | $1,208 | $390 | 47.7% |
| Maine | $504 | -$314 | -38.4% |
| Maryland | $674 | -$144 | -17.6% |
| Massachusetts | $650 | -$168 | -20.5% |
| Michigan | $1,418 | $600 | 73.3% |
| Minnesota | $684 | -$134 | -16.4% |
| Mississippi | $978 | $160 | 19.6% |
| Missouri | $726 | -$92 | -11.2% |
| Montana | $876 | $58 | 7.1% |
| Nebraska | $642 | -$176 | -21.5% |
| Nevada | $978 | $160 | 19.6% |
| New Hampshire | $590 | -$228 | -27.9% |
| New Jersey | $912 | $94 | 11.5% |
| New Mexico | $720 | -$98 | -12.0% |
| New York | $858 | $40 | 4.9% |
| North Carolina | $468 | -$350 | -42.8% |
| North Dakota | $670 | -$148 | -18.1% |
| Ohio | $562 | -$256 | -31.3% |
| Oklahoma | $838 | $20 | 2.4% |
| Oregon | $748 | -$70 | -8.6% |
| Pennsylvania | $776 | -$42 | -5.1% |
| Rhode Island | $1,090 | $272 | 33.3% |
| South Carolina | $740 | -$78 | -9.5% |
| South Dakota | $688 | -$130 | -15.9% |
| Tennessee | $716 | -$102 | -12.5% |
| Texas | $982 | $164 | 20.0% |
| Utah | $604 | -$214 | -26.2% |
| Vermont | $556 | -$262 | -32.0% |
| Virginia | $488 | -$330 | -40.3% |
| Washington | $628 | -$190 | -23.2% |
| West Virginia | $748 | -$70 | -8.6% |
| Wisconsin | $564 | -$254 | -31.1% |
| Wyoming | $726 | -$92 | -11.2% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $788 | $66 |
| Toyota Avalon XLS | $818 | $68 |
| Toyota Avalon Limited | $832 | $69 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2014 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2011 Toyota Avalon | $198 | $258 | $406 | $998 |
| 2008 Toyota Avalon | $168 | $192 | $398 | $894 |
| 2007 Toyota Avalon | $166 | $188 | $390 | $880 |
| 2006 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2005 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2004 Toyota Avalon | $144 | $162 | $376 | $818 |
Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Toyota Avalon Insurance
Getting lower rates on Toyota Avalon insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a condensed summary of the ideas that were illustrated above.
- 16 to 18-year-old drivers have the highest car insurance prices, costing up to $272 a month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents pay on average $920 more annually than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $200 each year
- You may be able to save approximately $90 per year simply by shopping 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.
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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.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Avalon 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
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.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 1% |
| Property Damage | -31% |
| Comprehensive | 12% |
| Personal Injury | 8% |
| Medical Payment | 0% |
| Bodily Injury | -18% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,264 |
| 20 | $1,848 |
| 30 | $832 |
| 40 | $818 |
| 50 | $750 |
| 60 | $736 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $946 |
| $250 | $888 |
| $500 | $818 |
| $1,000 | $746 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $818 |
| 50/100 | $907 |
| 100/300 | $1,001 |
| 250/500 | $1,246 |
| 100 CSL | $945 |
| 300 CSL | $1,152 |
| 500 CSL | $1,302 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,586 |
| 20 | $2,936 |
| 30 | $1,756 |
| 40 | $1,740 |
| 50 | $1,662 |
| 60 | $1,642 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $41 |
| Multi-vehicle | $43 |
| Homeowner | $14 |
| 5-yr Accident Free | $48 |
| 5-yr Claim Free | $50 |
| Paid in Full/EFT | $29 |
| Advance Quote | $35 |
| Online Quote | $55 |
| Total Discounts | $315 |
Discounts are estimated and may not be available from every company or in every state.
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