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 auto insurance rates for a Toyota Avalon are $1,278 annually for full coverage insurance. Comprehensive costs on average $282 a year, collision costs $484, and liability costs $376. A policy with just liability insurance costs as little as $426 a year, with coverage for high-risk drivers costing around $2,760. Teen drivers receive the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $734
• Drivers who choose higher $1,000 deductibles will pay around $1,104 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,278
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,614
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,760 or more
• The cost with full coverage for a teen driver may cost $4,732 a year

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, your risk profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 131% more than average. View High Risk Driver Rates

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

Where you live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,720 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly 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 Cheapest Toyota Avalon Insurance

Saving money on car insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a recap of the car insurance concepts touched on in this article.

• Higher risk drivers that have major violations or accidents may pay on average $1,480 more each year than a driver with a clean driving record
• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing deductibles could save up to $500 each year
• Policyholders who require additional liability coverage will pay about $410 annually to go from a minimum 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