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.

The average insurance rates for a Toyota Avalon are $1,300 a year for full coverage. Comprehensive insurance costs around $298 a year, collision costs $502, and liability costs around $364. Liability-only coverage costs as low as $416 a year, with high-risk coverage costing $2,804 or more. Teens cost the most to insure at $4,770 a year or more.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Avalon trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below shows estimated Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save about $1,118 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,300
• Selecting low $100 deductibles for physical damage coverage will cost an additional $350 every year
• Drivers with serious driving violations could pay at least $2,804 or more
• Policy cost that insures a teen driver can be $4,770 or more

View Chart as Image

Insurance rates for a Toyota Avalon also range considerably based on the trim level of your Avalon, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, and rates will be varied.

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 Best Toyota Avalon Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates at every policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a brief recap of the data illustrated above.

• Policyholders who may need an increased level of liability coverage will pay approximately $400 each year to increase from a 30/60 limit to the 250/500 level
• Drivers can save up to $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers age 16 to 20 are charged the highest rates, costing up to $398 each month if comprehensive and collision insurance 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