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.

U.S. average insurance rates for a Toyota Avalon are $1,278 a year with full coverage. Comprehensive insurance costs around $282 each year, collision insurance costs $484, and liability is estimated at $376. A policy with just liability insurance costs approximately $426 a year, and coverage for high-risk drivers costs $2,760 or more. Teens pay the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Price estimates for individual coverage:

Estimates include $500 deductible amounts, 30/60 liability coverage, 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

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why all drivers should get quotes 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.

Additional Rate Details

The chart below details average Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $734
• Choosing higher $1,000 deductibles can save about $174 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,278
• Selecting low deductibles for comp and collision coverage will cost an extra $336 annually
• Higher-risk drivers with serious driving violations could pay at least $2,760
• The price for full coverage for a 16-year-old driver can be $4,732 each year

View Chart as Image

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 a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 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 $339 more per year. 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 ranges from 44% to 131% more than the average 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 Low Cost Toyota Avalon Insurance

Getting lower rates on insurance for a Toyota Avalon takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a review of the coverage data raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $500 each year
• Drivers age 20 and younger pay higher prices, costing up to $394 a month for full coverage
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,480 more every year to buy Toyota Avalon insurance

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