Toyota Avalon Insurance Rates
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UPDATED: Aug 24, 2022
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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.
Average auto insurance rates for a Toyota Avalon are $818 annually for full coverage insurance. Comprehensive costs on average $144 each year, collision insurance costs $162, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance costs around $1,740. Teen drivers receive the highest rates at up to $3,264 a year.
Average premium for full coverage: $818
Rate estimates by individual coverage type:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Avalon models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $426 for the bare minimum liability coverage to a high rate of $1,740 for high-risk insurance.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.
These examples illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on price 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 Information
The chart below illustrates average Toyota Avalon insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $503
- Drivers who choose higher $1,000 deductibles will pay around $72 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $818
- Choosing low deductibles for comprehensive and collision insurance will cost $946
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,740
- The cost with full coverage for a teen driver may cost $3,264 a year
Insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $200 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,100 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Toyota Avalon XL||$788||$66|
|Toyota Avalon XLS||$818||$68|
|Toyota Avalon Limited||$832||$69|
Rates assume 1996 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|
|2015 Toyota Avalon||$248||$380||$390||$1,154|
|2014 Toyota Avalon||$232||$350||$390||$1,108|
|2011 Toyota Avalon||$202||$284||$402||$1,024|
|2008 Toyota Avalon||$174||$214||$402||$926|
|2007 Toyota Avalon||$168||$192||$398||$894|
|2006 Toyota Avalon||$166||$188||$390||$880|
|2005 Toyota Avalon||$162||$178||$384||$860|
|2004 Toyota Avalon||$148||$170||$380||$834|
|2003 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 Affordable Toyota Avalon Insurance
Saving money on Toyota Avalon insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the material that was touched on above.
- Drivers who require higher levels of liability will pay about $410 annually to go from a minimum limit to higher 250/500 limits
- Teenage drivers pay the highest rates, costing up to $272 per month including comprehensive and collision insurance
- High-risk drivers with DUI or reckless driving convictions may pay on average $920 more each year for auto insurance
- Increasing deductibles could save up to $200 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.
|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.
|Insurance Coverage Category||Loss Rate|
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$48|
|5-yr Claim Free||$50|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.