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 auto insurance rates for a Toyota Avalon are $818 annually for full coverage. Comprehensive insurance costs approximately $144, collision insurance costs $162, and liability costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs $1,740 or more. Teenage drivers receive the highest rates at up to $3,264 a year.

Average premium for full coverage: $818

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These examples show why everyone should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

The chart below shows average Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The best discount rate is $503
• Drivers who choose higher $1,000 deductibles will pay $72 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $818
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $128 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,740
• The cost with full coverage for a teen driver for full coverage can cost $3,264 a year

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Car insurance rates for a Toyota Avalon can also vary considerably based on the trim level of your Avalon, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,000 to $1,400 extra per year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $540 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,170 on average in New York, Louisiana, and Michigan.

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Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Toyota Avalon Insurance

Saving money on car insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Make time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following list is a condensed summary of the primary concepts that were touched on in this article.

• Drivers can save around $90 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents pay on average $920 more per year than a safer driver
• Increasing deductibles could save up to $200 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $272 per month if comprehensive and collision insurance is included

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.

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.

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