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.

Average insurance rates for a Toyota Avalon are $1,300 a year with full coverage. Comprehensive costs around $298, collision insurance costs $502, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs around $2,804. Teenage drivers receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These examples demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $747
• Drivers who choose higher $1,000 deductibles will pay about $182 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,300
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,650
• High risk drivers who are prone to accidents and violations could pay at least $2,804
• The cost for full coverage for a teen driver for full coverage can be $4,770 a year

View Chart as Image

Insurance rates for a Toyota Avalon can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Where you live makes a big difference in Toyota Avalon insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost anywhere from 44% to 129% more than a normal 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 More Affordable Toyota Avalon Insurance

Saving money on Toyota Avalon insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around once a year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a summary of the data that was touched on above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers who may need additional liability coverage will pay an extra $400 every year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $398 per month for full coverage
• High-risk drivers who have multiple accidents or major violations pay an average of $1,500 more every year 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.

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