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.

Estimated auto insurance rates for a Toyota Avalon are $1,278 annually for full coverage. Comprehensive costs on average $282 a year, collision costs $484, and liability insurance is estimated at $376. A liability-only policy costs approximately $426 a year, with high-risk insurance costing around $2,760. Teens pay the most at $4,732 a year or more.

Average premium for full coverage: $1,278

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

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

These rate differences show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $734
• Choosing higher $1,000 deductibles can save around $1,104 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,278
• Selecting low $100 deductibles for comp and collision coverage will cost $1,614
• High-risk insureds with serious driving violations could pay upwards of $2,760 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,732 each year

View Chart as Image

Auto insurance prices for a Toyota Avalon also have a wide range based on the model of your Avalon, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices will be substantially different between companies.

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 Best Cheap Toyota Avalon Insurance

Finding better rates on Toyota Avalon insurance takes being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct carriers, and also from local insurance agents.

Below you'll find a quick review of the material that was covered above.

• Drivers who require more liability protection will pay approximately $410 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers are charged the highest prices, as much as $394 per month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,480 more each year than a low-risk driver
• Increasing policy deductibles could save up to $500 each year

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