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.

The average auto insurance rates for a Toyota Avalon are $1,300 annually for full coverage insurance. Comprehensive costs approximately $298, collision insurance costs $502, and liability is estimated at $364. Liability-only insurance costs approximately $416 a year, and high-risk driver insurance costs around $2,804. Teen drivers cost the most to insure at up to $4,770 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

The chart below illustrates average Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save $182 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Choosing pricier low deductibles for comp and collision coverage will cost $1,650
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,804
• Policy cost with full coverage for a teen driver for full coverage can cost $4,770 each year

View Chart as Image

Auto insurance rates for a Toyota Avalon also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Toyota Avalon insurance for high-risk drivers ranges as much as 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy the Cheapest Toyota Avalon Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a recap of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,500 more per year for car insurance
• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Policyholders who purchase higher liability limits will pay about $400 annually to raise limits from a 30/60 limit to higher 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