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 $1,278 a year for full coverage. Comprehensive costs approximately $282 each year, collision insurance costs $484, and liability coverage costs around $376. A policy with just liability insurance costs as low as $426 a year, and coverage for high-risk drivers costs around $2,760. Teenage drivers receive the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

These examples show why all drivers should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $734
• Using higher $1,000 deductibles will save $174 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,278
• Using low deductibles for physical damage coverage will increase the cost to $1,614
• Higher-risk drivers who are prone to accidents and violations could pay around $2,760
• The cost for full coverage for a teenage driver can cost $4,732 or more

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on your driver profile, the trim level of your Avalon, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Toyota Avalon insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

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 Affordable Toyota Avalon Insurance

Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a brief review of the ideas that were touched on in this article.

• Teenage drivers are the costliest to insure, costing as high as $394 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,480 more per year for auto insurance
• Increasing deductibles can save around $500 each year
• Drivers can save around $150 per year just by quoting online in advance

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