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Toyota Avalon Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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.

Average insurance rates for a Toyota Avalon are $1,342 a year for full coverage. Comprehensive costs an estimated $332 a year, collision insurance costs $542, and liability is estimated at $332. Liability-only coverage costs approximately $388 a year, and high-risk coverage costs around $2,878. Teenage drivers receive the highest rates at up to $4,818 a year.

Average premium for full coverage: $1,342

Rate estimates broken down by individual coverage type:

Comprehensive $332
Collision $542
Liability $332

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Avalon trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $388 for only liability insurance to a high of $2,878 for a driver who requires high-risk insurance.

Liability Only $388
Full Coverage $1,342
High Risk $2,878

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

These examples show why it is important to get quotes for a targeted area, instead of using average rates.

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.

Insurance Rate Analysis

The chart below shows average Toyota Avalon insurance rates for other coverage scenarios.

  • The best discount rate is $770
  • Choosing higher $1,000 deductibles can save approximately $1,142 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,342
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,724
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,878
  • The cost that insures a teen driver can cost as much as $4,818 each year

View Chart as Image

Toyota Avalon insurance cost comparison chart
Column chart showing Toyota Avalon insurance rates range from $770 to $4,818 for full coverage

Car insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,910 on average in New York, Louisiana, and Michigan.

Toyota Avalon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,210 -$132 -9.8%
Alaska $1,028 -$314 -23.4%
Arizona $1,110 -$232 -17.3%
Arkansas $1,342 -$0 0.0%
California $1,528 $186 13.9%
Colorado $1,278 -$64 -4.8%
Connecticut $1,376 $34 2.5%
Delaware $1,514 $172 12.8%
Florida $1,674 $332 24.7%
Georgia $1,240 -$102 -7.6%
Hawaii $962 -$380 -28.3%
Idaho $908 -$434 -32.3%
Illinois $998 -$344 -25.6%
Indiana $1,010 -$332 -24.7%
Iowa $904 -$438 -32.6%
Kansas $1,272 -$70 -5.2%
Kentucky $1,828 $486 36.2%
Louisiana $1,984 $642 47.8%
Maine $828 -$514 -38.3%
Maryland $1,106 -$236 -17.6%
Massachusetts $1,068 -$274 -20.4%
Michigan $2,328 $986 73.5%
Minnesota $1,122 -$220 -16.4%
Mississippi $1,604 $262 19.5%
Missouri $1,190 -$152 -11.3%
Montana $1,440 $98 7.3%
Nebraska $1,056 -$286 -21.3%
Nevada $1,606 $264 19.7%
New Hampshire $966 -$376 -28.0%
New Jersey $1,498 $156 11.6%
New Mexico $1,186 -$156 -11.6%
New York $1,410 $68 5.1%
North Carolina $772 -$570 -42.5%
North Dakota $1,098 -$244 -18.2%
Ohio $924 -$418 -31.1%
Oklahoma $1,376 $34 2.5%
Oregon $1,228 -$114 -8.5%
Pennsylvania $1,278 -$64 -4.8%
Rhode Island $1,788 $446 33.2%
South Carolina $1,216 -$126 -9.4%
South Dakota $1,130 -$212 -15.8%
Tennessee $1,174 -$168 -12.5%
Texas $1,616 $274 20.4%
Utah $992 -$350 -26.1%
Vermont $916 -$426 -31.7%
Virginia $802 -$540 -40.2%
Washington $1,034 -$308 -23.0%
West Virginia $1,230 -$112 -8.3%
Wisconsin $926 -$416 -31.0%
Wyoming $1,194 -$148 -11.0%

View Chart as Image

Toyota Avalon insurance rates by U.S. city

Using high physical damage deductibles can save as much as $590 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Toyota Avalon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Avalon XL $1,256 $105
Toyota Avalon XLS $1,342 $112
Toyota Avalon Limited $1,384 $115

Rates assume 2020 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.

Toyota Avalon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Avalon $332 $542 $332 $1,342
2019 Toyota Avalon $320 $536 $338 $1,330
2018 Toyota Avalon $308 $524 $354 $1,322
2017 Toyota Avalon $298 $502 $364 $1,300
2016 Toyota Avalon $282 $484 $376 $1,278
2015 Toyota Avalon $270 $450 $384 $1,240
2014 Toyota Avalon $260 $424 $388 $1,208
2013 Toyota Avalon $248 $380 $390 $1,154
2012 Toyota Avalon $232 $350 $390 $1,108
2011 Toyota Avalon $224 $328 $394 $1,082
2010 Toyota Avalon $220 $306 $402 $1,064
2009 Toyota Avalon $202 $284 $402 $1,024
2008 Toyota Avalon $198 $258 $406 $998
2007 Toyota Avalon $184 $236 $402 $958
2006 Toyota Avalon $174 $214 $402 $926
2005 Toyota Avalon $168 $192 $398 $894
2004 Toyota Avalon $166 $188 $390 $880
2003 Toyota Avalon $162 $178 $384 $860
2002 Toyota Avalon $148 $170 $380 $834
2001 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 Find Cheap Toyota Avalon Insurance

Saving money on car insurance takes being a safe driver, having a positive credit history, eliminating unneeded coverage, and possibly higher deductibles. Compare prices at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Here is a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,540 more annually for insurance
  • Young drivers have the highest car insurance rates, costing as high as $402 per month if full coverage is purchased
  • Drivers can save approximately $160 per year just by quoting early and online
  • Increasing deductibles can save approximately $575 each year
  • Drivers can save approximately $160 per year just by quoting 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.

Toyota Avalon Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2021 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2021 Toyota Avalon 4 DR AWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2012 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars
2011 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars
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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
Insurance Coverage CategoryLoss Rate
Collision1%
Property Damage-31%
Comprehensive12%
Personal Injury8%
Medical Payment0%
Bodily Injury-18%
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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

  1. https://www.iihs.org/ratings/vehicle/toyota/avalon-4-door-sedan/2020

Rates by Driver Age

Toyota Avalon Insurance Rates by Driver Age
Driver Age Premium
16 $4,818
20 $3,056
30 $1,408
40 $1,342
50 $1,222
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

Toyota Avalon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,548
$500 $1,342
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,342
50/100 $1,450
100/300 $1,533
250/500 $1,749
100 CSL $1,484
300 CSL $1,666
500 CSL $1,799

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Avalon Insurance Rates for High Risk Drivers
Age Premium
16 $6,898
20 $4,854
30 $2,954
40 $2,878
50 $2,740
60 $2,714

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.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $63
Advance Quote $67
Online Quote $96
Total Discounts $572
Rate after discounts $770

Discounts are estimated and may not be available from every company or in every state.

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