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 $1,278 a year including full coverage. Comprehensive costs an estimated $282 a year, collision costs $484, and liability insurance costs around $376. Liability-only coverage costs as low as $426 a year, with high-risk coverage costing around $2,760. Teens receive the highest rates at $4,732 a year or more.

Average premium for full coverage: $1,278

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Toyota Avalon insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $734
• Using higher $1,000 deductibles will save approximately $1,104 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,278
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,614
• Drivers with serious driving violations could pay up to $2,760 or more
• The cost for full coverage for a teen driver can cost as much as $4,732 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,700 a year. View Rates by Age

Where you live has a huge impact on Toyota Avalon insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 the Cheapest Toyota Avalon Insurance

Saving money on Toyota Avalon insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a recap of the data that was covered above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Drivers who want higher liability limits will pay approximately $410 per year to increase from a minimum limit to 250/500 limits
• Teenagers have the highest car insurance rates, as much as $394 per month if full coverage is included
• High-risk drivers that have major violations or accidents may pay on average $1,480 more annually for car insurance

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