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.

Average insurance rates for a Toyota Avalon are $1,300 a year with full coverage. Comprehensive costs approximately $298, collision insurance costs $502, and liability costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs around $2,804. 16-year-old drivers receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities. The example below illustrates how location impacts auto insurance prices.

These examples demonstrate why everyone should compare rates using their specific location, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $747
• Drivers who choose higher $1,000 deductibles will pay $182 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,300
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,650
• Higher-risk drivers with multiple tickets or accidents could pay around $2,804
• The cost that insures a teen driver for full coverage can cost $4,770 a year

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on the model of your Avalon, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

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 Cheapest Toyota Avalon Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a recap of the primary concepts that were touched on above.

• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents may have to pay on average $1,500 more per year than a low-risk driver
• Increasing deductibles can save approximately $525 each year
• Youthful drivers are expensive to insure, with premiums as much as $398 per month if full coverage is included

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