Toyota Avalon XLS Insurance Rates

Estimated insurance rates for a Toyota Avalon XLS are $1,372 a year for full coverage. Comprehensive costs approximately $354 each year, collision costs $572, and liability insurance costs $310. Liability-only coverage costs as little as $370 a year, with high-risk coverage costing around $2,938. Teen drivers pay the most at $4,864 a year or more.

Annual premium for full coverage: $1,372

Premium estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Avalon Trim Level

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences show why all drivers should compare rates using their specific location, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Toyota Avalon XLS also have a wide range based on the actual cash value of your Avalon, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 131% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Avalon XLS insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $620 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $279 more per year. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to know which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

Chart shows Toyota Avalon XLS insurance prices for different risks and coverage choices. The lowest price with discounts is $786. Drivers who choose higher $1,000 deductibles will pay $1,162. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,372. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,778. High risk drivers could be charged up to $2,938. The policy rate for full coverage insurance for a teenager is $4,864.

View Chart as Image