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.

U.S. average auto insurance rates for a Toyota Avalon are $1,300 annually including full coverage. Comprehensive costs around $298, collision insurance costs $502, and liability coverage is estimated at $364. A policy with just liability insurance costs approximately $416 a year, and coverage for high-risk drivers costs around $2,804. Teen drivers pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save about $182 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,300
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,650
• Drivers with multiple violations and an at-fault accident could pay at least $2,804
• The price with full coverage for a teenage driver with full coverage can be $4,770 each year

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Toyota Avalon insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy Affordable Toyota Avalon Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was touched on above.

• You may be able to save up to $160 per year just by shopping early and online
• Consumers who may need more liability protection will pay about $400 per year to raise limits from a low limit to higher 250/500 limits
• Youthful drivers pay higher prices, possibly costing $398 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,500 more every year than a low-risk 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.

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