Toyota Avalon Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

The average insurance rates for a Toyota Avalon are $1,322 a year for full coverage. Comprehensive insurance costs around $308, collision costs $524, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,850 or more. Teen drivers cost the most to insure at $4,818 a year or more.

Average premium for full coverage: $1,322

Policy rates for type of insurance:

Comprehensive $308
Collision $524
Liability $354

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Avalon models.

Price Range Variability

For a driver in their 40's, Toyota Avalon insurance rates go from as low as $406 for just the minimum liability insurance to the much higher price of $2,850 for a driver that may need high-risk insurance.

Liability Only $406
Full Coverage $1,322
High Risk $2,850

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

Rural Areas $992
Small Cities $1,388
Large Cities $1,785

The examples above show why everyone should get quotes for a specific zip code and risk profile, instead of using 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 Analysis

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

  • The lowest rate with discounts is $756
  • Choosing higher $1,000 deductibles can save about $190 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,322
  • Choosing pricier low deductibles for comp and collision coverage will cost an extra $364 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,850 or more
  • Policy cost for full coverage for a teen driver for full coverage can be $4,818 each year

View Chart as Image

Toyota Avalon insurance cost comparison chart
Column chart showing full coverage Toyota Avalon insurance prices range from $756 to $4,818

Insurance rates for a Toyota Avalon also range considerably based on your risk profile, the trim level of your Avalon, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

Toyota Avalon Insurance Rates by State
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%

View Chart as Image

Toyota Avalon insurance rates by U.S. city

Choosing high deductibles can save as much as $560 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,100 extra every year, depending on your age. Toyota Avalon insurance for high-risk drivers ranges as much as 44% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Avalon Insurance Rates by Model and Trim Level
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.

Toyota Avalon Insurance Rates by Model Year
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 Find the Right Toyota Avalon Insurance

Finding cheaper rates on car insurance takes being a good driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick rundown of the data that was 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
  • Policyholders who may need an increased level of liability coverage will pay about $390 each year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 pay higher rates, costing up to $402 each month for full coverage
  • Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,530 more every year than a safer driver

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 TestedOverallFrontalSideRollover
2021 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2021 Toyota Avalon 4 DR AWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2020 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2019 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2018 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2017 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2016 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2015 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2014 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2013 Toyota Avalon 4 DR FWD5 stars4 stars5 stars4 stars
2012 Toyota Avalon 4 DR FWDN/RN/RN/R4 stars
2011 Toyota Avalon 4 DR FWDN/RN/RN/R4 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 CategoryLoss Rate
Collision1%
Property Damage-31%
Comprehensive12%
Personal Injury8%
Medical Payment0%
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

  1. https://www.iihs.org/ratings/vehicle/toyota/avalon-4-door-sedan/2020

Rates by Driver Age

Toyota Avalon Insurance 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

Toyota Avalon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,686
$250 $1,520
$500 $1,322
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Toyota Avalon Insurance Rates with Different Liability Limits
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

Toyota Avalon Insurance 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.

SR-22 Surcharge $183

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
Rate after discounts $756

Discounts are estimated and may not be available from every company or in every state.

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