Toyota Avalon Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 5, 2024
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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.
U.S. average insurance rates for a Toyota Avalon are $1,300 a year with full coverage. Comprehensive insurance costs around $298 each year, collision costs $502, and liability costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing $2,804 or more. 16-year-old drivers pay the highest rates at $4,770 a year or more.
Average premium for full coverage: $1,300
Price estimates for individual coverage:
These estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Avalon models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Avalon insurance prices go from as low as $416 for minimum levels of liability insurance to a high rate of $2,804 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Toyota Avalon insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $747
- Using higher $1,000 deductibles will save about $182 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,300
- Buying low deductibles for physical damage coverage will cost an extra $350 annually
- High-risk insureds with multiple tickets or accidents could pay at least $2,804 or more
- The price for full coverage for a 16-year-old driver can be $4,770 or more
Car insurance prices for a Toyota Avalon are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age
The state you live in has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $996 | -$304 | -23.4% |
| Arizona | $1,076 | -$224 | -17.2% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,482 | $182 | 14.0% |
| Colorado | $1,240 | -$60 | -4.6% |
| Connecticut | $1,334 | $34 | 2.6% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,624 | $324 | 24.9% |
| Georgia | $1,202 | -$98 | -7.5% |
| Hawaii | $934 | -$366 | -28.2% |
| Idaho | $882 | -$418 | -32.2% |
| Illinois | $968 | -$332 | -25.5% |
| Indiana | $980 | -$320 | -24.6% |
| Iowa | $874 | -$426 | -32.8% |
| Kansas | $1,232 | -$68 | -5.2% |
| Kentucky | $1,772 | $472 | 36.3% |
| Louisiana | $1,922 | $622 | 47.8% |
| Maine | $804 | -$496 | -38.2% |
| Maryland | $1,074 | -$226 | -17.4% |
| Massachusetts | $1,036 | -$264 | -20.3% |
| Michigan | $2,256 | $956 | 73.5% |
| Minnesota | $1,090 | -$210 | -16.2% |
| Mississippi | $1,556 | $256 | 19.7% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $936 | -$364 | -28.0% |
| New Jersey | $1,452 | $152 | 11.7% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,368 | $68 | 5.2% |
| North Carolina | $748 | -$552 | -42.5% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,098 | -$202 | -15.5% |
| Tennessee | $1,138 | -$162 | -12.5% |
| Texas | $1,566 | $266 | 20.5% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $888 | -$412 | -31.7% |
| Virginia | $776 | -$524 | -40.3% |
| Washington | $1,004 | -$296 | -22.8% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $898 | -$402 | -30.9% |
| Wyoming | $1,154 | -$146 | -11.2% |
Opting for high physical damage deductibles could cut prices by as much as $540 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 129% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $1,220 | $102 |
| Toyota Avalon XLS | $1,300 | $108 |
| Toyota Avalon Limited | $1,340 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon | $308 | $524 | $354 | $1,322 |
| 2021 Toyota Avalon | $298 | $502 | $364 | $1,300 |
| 2020 Toyota Avalon | $282 | $484 | $376 | $1,278 |
| 2019 Toyota Avalon | $270 | $450 | $384 | $1,240 |
| 2018 Toyota Avalon | $260 | $424 | $388 | $1,208 |
| 2017 Toyota Avalon | $248 | $380 | $390 | $1,154 |
| 2016 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2015 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2014 Toyota Avalon | $220 | $306 | $402 | $1,064 |
| 2011 Toyota Avalon | $184 | $236 | $402 | $958 |
| 2008 Toyota Avalon | $166 | $188 | $390 | $880 |
| 2007 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2006 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2005 Toyota Avalon | $144 | $162 | $376 | $818 |
Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Toyota Avalon Insurance
Getting lower rates on insurance for a Toyota Avalon requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief summary of the material that was touched on in this article.
- Insureds who may need higher liability limits will pay around $400 every year to increase from a low limit to 250/500 limits
- Teens are the costliest to insure, costing up to $398 a month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,500 more every year for Avalon insurance
- Increasing physical damage deductibles can save around $525 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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Avalon 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 1% |
| Property Damage | -31% |
| Comprehensive | 12% |
| Personal Injury | 8% |
| Medical Payment | 0% |
| Bodily Injury | -18% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,770 |
| 20 | $2,978 |
| 30 | $1,360 |
| 40 | $1,300 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,650 |
| $250 | $1,488 |
| $500 | $1,300 |
| $1,000 | $1,118 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,413 |
| 100/300 | $1,504 |
| 250/500 | $1,740 |
| 100 CSL | $1,449 |
| 300 CSL | $1,649 |
| 500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,820 |
| 20 | $4,738 |
| 30 | $2,868 |
| 40 | $2,804 |
| 50 | $2,672 |
| 60 | $2,648 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $60 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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