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 with full coverage. Comprehensive costs around $298 each year, collision costs $502, and liability coverage is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing around $2,804. 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:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $747
• Choosing higher $1,000 deductibles can save about $182 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,300
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,650
• Drivers with serious driving violations could pay at least $2,804 or more
• Policy cost for full coverage for a teenage driver can be $4,770 each year

View Chart as Image

Auto insurance rates for a Toyota Avalon also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied from one company to the next.

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 Cheap Toyota Avalon Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $160 per year simply by quoting online in advance
• Drivers with a DUI or reckless driving violation pay an average of $1,500 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $525 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $398 each month if they have full coverage

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