Toyota Avalon Insurance Rates
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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 auto insurance rates for a Toyota Avalon are $1,322 annually for full coverage insurance. Comprehensive insurance costs an estimated $308, collision costs $524, and liability insurance costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance costing $2,850 or more. Teenage drivers pay the most at $4,818 a year or more.
Average premium for full coverage: $1,322
Premium estimates broken down by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Avalon models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Avalon go from as cheap as $406 for just liability coverage to the much higher price of $2,850 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The example below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Avalon insurance rates for other coverage scenarios.
- The best discount rate is $756
- Drivers who choose higher $1,000 deductibles will pay approximately $190 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,322
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $364 a year
- High risk drivers who are prone to accidents and violations could pay up to $2,850 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,818 a year
Auto insurance prices for a Toyota Avalon also have a wide range based on the model of your Avalon, your risk profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little 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 without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,100 in extra premium annually, depending on your age. Toyota Avalon insurance for high-risk drivers can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $560 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$128 | -9.7% |
| Alaska | $1,014 | -$308 | -23.3% |
| Arizona | $1,096 | -$226 | -17.1% |
| Arkansas | $1,322 | -$0 | 0.0% |
| California | $1,506 | $184 | 13.9% |
| Colorado | $1,260 | -$62 | -4.7% |
| Connecticut | $1,356 | $34 | 2.6% |
| Delaware | $1,492 | $170 | 12.9% |
| Florida | $1,650 | $328 | 24.8% |
| Georgia | $1,220 | -$102 | -7.7% |
| Hawaii | $950 | -$372 | -28.1% |
| Idaho | $894 | -$428 | -32.4% |
| Illinois | $984 | -$338 | -25.6% |
| Indiana | $994 | -$328 | -24.8% |
| Iowa | $890 | -$432 | -32.7% |
| Kansas | $1,254 | -$68 | -5.1% |
| Kentucky | $1,800 | $478 | 36.2% |
| Louisiana | $1,956 | $634 | 48.0% |
| Maine | $814 | -$508 | -38.4% |
| Maryland | $1,090 | -$232 | -17.5% |
| Massachusetts | $1,052 | -$270 | -20.4% |
| Michigan | $2,294 | $972 | 73.5% |
| Minnesota | $1,106 | -$216 | -16.3% |
| Mississippi | $1,584 | $262 | 19.8% |
| Missouri | $1,172 | -$150 | -11.3% |
| Montana | $1,418 | $96 | 7.3% |
| Nebraska | $1,038 | -$284 | -21.5% |
| Nevada | $1,584 | $262 | 19.8% |
| New Hampshire | $952 | -$370 | -28.0% |
| New Jersey | $1,476 | $154 | 11.6% |
| New Mexico | $1,170 | -$152 | -11.5% |
| New York | $1,390 | $68 | 5.1% |
| North Carolina | $762 | -$560 | -42.4% |
| North Dakota | $1,082 | -$240 | -18.2% |
| Ohio | $910 | -$412 | -31.2% |
| Oklahoma | $1,354 | $32 | 2.4% |
| Oregon | $1,210 | -$112 | -8.5% |
| Pennsylvania | $1,260 | -$62 | -4.7% |
| Rhode Island | $1,762 | $440 | 33.3% |
| South Carolina | $1,198 | -$124 | -9.4% |
| South Dakota | $1,114 | -$208 | -15.7% |
| Tennessee | $1,156 | -$166 | -12.6% |
| Texas | $1,592 | $270 | 20.4% |
| Utah | $978 | -$344 | -26.0% |
| Vermont | $902 | -$420 | -31.8% |
| Virginia | $790 | -$532 | -40.2% |
| Washington | $1,020 | -$302 | -22.8% |
| West Virginia | $1,210 | -$112 | -8.5% |
| Wisconsin | $912 | -$410 | -31.0% |
| Wyoming | $1,174 | -$148 | -11.2% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $1,240 | $103 |
| Toyota Avalon XLS | $1,322 | $110 |
| Toyota Avalon Limited | $1,362 | $114 |
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 | $320 | $536 | $338 | $1,330 |
| 2021 Toyota Avalon | $308 | $524 | $354 | $1,322 |
| 2020 Toyota Avalon | $298 | $502 | $364 | $1,300 |
| 2019 Toyota Avalon | $282 | $484 | $376 | $1,278 |
| 2018 Toyota Avalon | $270 | $450 | $384 | $1,240 |
| 2017 Toyota Avalon | $260 | $424 | $388 | $1,208 |
| 2016 Toyota Avalon | $248 | $380 | $390 | $1,154 |
| 2015 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2014 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2011 Toyota Avalon | $198 | $258 | $406 | $998 |
| 2008 Toyota Avalon | $168 | $192 | $398 | $894 |
| 2007 Toyota Avalon | $166 | $188 | $390 | $880 |
| 2006 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2005 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2004 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 Buy Low Cost Toyota Avalon Insurance
Finding better rates on Toyota Avalon insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a review of the coverage data raised in the charts and tables above.
- It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $550 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $402 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,530 more annually than a driver with a clean driving record
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 | $4,818 |
| 20 | $3,028 |
| 30 | $1,384 |
| 40 | $1,322 |
| 50 | $1,206 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,520 |
| $500 | $1,322 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,322 |
| 50/100 | $1,433 |
| 100/300 | $1,521 |
| 250/500 | $1,751 |
| 100 CSL | $1,468 |
| 300 CSL | $1,663 |
| 500 CSL | $1,805 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,814 |
| 30 | $2,920 |
| 40 | $2,850 |
| 50 | $2,714 |
| 60 | $2,688 |
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 | $71 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $62 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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