Toyota Avalon Insurance Rates
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Michelle Robbins
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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.
Estimated insurance rates for a Toyota Avalon are $1,300 a year for full coverage. Comprehensive insurance costs around $298, collision costs $502, and liability costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing $2,804 or more. Teens pay the most at $4,770 a year or more.
Average premium for full coverage: $1,300
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Avalon models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Avalon go from as low as $416 for the bare minimum liability coverage to the much higher price of $2,804 for a high-risk driver policy.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how location helps determine auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.
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 Information
The chart below shows estimated Toyota Avalon insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $747
- Drivers who choose higher $1,000 deductibles will pay about $182 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,300
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $350 annually
- Drivers with serious driving violations could pay at least $2,804 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $4,770 a year
Auto insurance prices for a Toyota Avalon also have a wide range based on your driving characteristics, the trim level of your Avalon, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay 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.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Toyota Avalon insurance for high-risk drivers can cost from 44% to 129% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to regularly compare prices from multiple companies. Every company calculates prices differently, and quoted prices will be substantially 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 the Best Cheap Toyota Avalon Insurance
Finding better rates on insurance for a Toyota Avalon not only requires being safe and accident-free, but also having good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below you'll find a quick review of the information covered in the charts and tables above.
- Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, as much as $398 per month if they have full coverage
- Increasing policy deductibles can save around $525 each year
- Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,500 more every year than a low-risk driver
- Insureds who may need more liability protection will pay approximately $400 each year to go from 30/60 bodily injury limits to 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.
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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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