Toyota Avalon Insurance Rates
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UPDATED: May 5, 2024
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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 insurance prices for a Toyota Avalon are $1,322 every 12 months for full coverage. Comprehensive insurance costs on average $308, collision insurance costs $524, and liability costs $354. Liability-only insurance costs as little as $406 a year, and high-risk driver insurance costs $2,850 or more. Teens pay the highest rates at up to $4,818 a year.
Average premium for full coverage: $1,322
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Avalon trim levels.
Price Range from Low to High
For the normal driver, Toyota Avalon insurance prices range from the cheapest price of $406 for minimum levels of liability insurance to a much higher rate of $2,850 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Toyota Avalon insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $756
- Drivers who choose higher $1,000 deductibles will pay around $190 a year
- The average price for the average middle-age driver with $500 deductibles is $1,322
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $364 annually
- Drivers with serious driving violations could pay upwards of $2,850
- The price to insure a 16-year-old driver with full coverage may cost $4,818 a year
Car insurance prices for a Toyota Avalon are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Avalon.
Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$128 | -9.7% |
| Alaska | $1,014 | -$308 | -23.3% |
| Arizona | $1,096 | -$226 | -17.1% |
| Arkansas | $1,322 | -$0 | 0.0% |
| California | $1,506 | $184 | 13.9% |
| Colorado | $1,260 | -$62 | -4.7% |
| Connecticut | $1,356 | $34 | 2.6% |
| Delaware | $1,492 | $170 | 12.9% |
| Florida | $1,650 | $328 | 24.8% |
| Georgia | $1,220 | -$102 | -7.7% |
| Hawaii | $950 | -$372 | -28.1% |
| Idaho | $894 | -$428 | -32.4% |
| Illinois | $984 | -$338 | -25.6% |
| Indiana | $994 | -$328 | -24.8% |
| Iowa | $890 | -$432 | -32.7% |
| Kansas | $1,254 | -$68 | -5.1% |
| Kentucky | $1,800 | $478 | 36.2% |
| Louisiana | $1,956 | $634 | 48.0% |
| Maine | $814 | -$508 | -38.4% |
| Maryland | $1,090 | -$232 | -17.5% |
| Massachusetts | $1,052 | -$270 | -20.4% |
| Michigan | $2,294 | $972 | 73.5% |
| Minnesota | $1,106 | -$216 | -16.3% |
| Mississippi | $1,584 | $262 | 19.8% |
| Missouri | $1,172 | -$150 | -11.3% |
| Montana | $1,418 | $96 | 7.3% |
| Nebraska | $1,038 | -$284 | -21.5% |
| Nevada | $1,584 | $262 | 19.8% |
| New Hampshire | $952 | -$370 | -28.0% |
| New Jersey | $1,476 | $154 | 11.6% |
| New Mexico | $1,170 | -$152 | -11.5% |
| New York | $1,390 | $68 | 5.1% |
| North Carolina | $762 | -$560 | -42.4% |
| North Dakota | $1,082 | -$240 | -18.2% |
| Ohio | $910 | -$412 | -31.2% |
| Oklahoma | $1,354 | $32 | 2.4% |
| Oregon | $1,210 | -$112 | -8.5% |
| Pennsylvania | $1,260 | -$62 | -4.7% |
| Rhode Island | $1,762 | $440 | 33.3% |
| South Carolina | $1,198 | -$124 | -9.4% |
| South Dakota | $1,114 | -$208 | -15.7% |
| Tennessee | $1,156 | -$166 | -12.6% |
| Texas | $1,592 | $270 | 20.4% |
| Utah | $978 | -$344 | -26.0% |
| Vermont | $902 | -$420 | -31.8% |
| Virginia | $790 | -$532 | -40.2% |
| Washington | $1,020 | -$302 | -22.8% |
| West Virginia | $1,210 | -$112 | -8.5% |
| Wisconsin | $912 | -$410 | -31.0% |
| Wyoming | $1,174 | -$148 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $1,240 | $103 |
| Toyota Avalon XLS | $1,322 | $110 |
| Toyota Avalon Limited | $1,362 | $114 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon | $320 | $536 | $338 | $1,330 |
| 2021 Toyota Avalon | $308 | $524 | $354 | $1,322 |
| 2020 Toyota Avalon | $298 | $502 | $364 | $1,300 |
| 2019 Toyota Avalon | $282 | $484 | $376 | $1,278 |
| 2018 Toyota Avalon | $270 | $450 | $384 | $1,240 |
| 2017 Toyota Avalon | $260 | $424 | $388 | $1,208 |
| 2016 Toyota Avalon | $248 | $380 | $390 | $1,154 |
| 2015 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2014 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2011 Toyota Avalon | $198 | $258 | $406 | $998 |
| 2008 Toyota Avalon | $168 | $192 | $398 | $894 |
| 2007 Toyota Avalon | $166 | $188 | $390 | $880 |
| 2006 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2005 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2004 Toyota Avalon | $144 | $162 | $376 | $818 |
Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Toyota Avalon Insurance
Getting lower rates on insurance for a Toyota Avalon not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $402 a month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,530 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $550 each year
- Drivers can save as much as $160 per year just by shopping early and online
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Avalon 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 1% |
| Property Damage | -31% |
| Comprehensive | 12% |
| Personal Injury | 8% |
| Medical Payment | 0% |
| Bodily Injury | -18% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,818 |
| 20 | $3,028 |
| 30 | $1,384 |
| 40 | $1,322 |
| 50 | $1,206 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,520 |
| $500 | $1,322 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,322 |
| 50/100 | $1,433 |
| 100/300 | $1,521 |
| 250/500 | $1,751 |
| 100 CSL | $1,468 |
| 300 CSL | $1,663 |
| 500 CSL | $1,805 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,814 |
| 30 | $2,920 |
| 40 | $2,850 |
| 50 | $2,714 |
| 60 | $2,688 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $62 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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