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 insurance rates for a Toyota Avalon are $1,300 a year with full coverage. Comprehensive insurance costs around $298 a year, collision costs $502, and liability insurance is $364. A policy with just liability insurance costs around $416 a year, with coverage for high-risk drivers costing $2,804 or more. Teenage drivers pay the highest rates at $4,770 a year or more.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code, rather than relying on average rates.

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

More Rate Details

The chart below details estimated Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The best discount rate is $747
• Raising to $1,000 deductibles will save about $1,118 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,300
• Using low $100 deductibles will cost an additional $350 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,804 or more
• The price that insures a teen driver can be $4,770

View Chart as Image

Insurance prices for a Toyota Avalon are also quite variable based on the trim level of your Avalon, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in also has a big influence on Toyota Avalon insurance rates. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Cheap Toyota Avalon Insurance

Getting lower rates on Toyota Avalon insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices every other policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the ideas that were touched on in this article.

• Teenagers pay higher prices, costing up to $398 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,500 more every year for car insurance
• Increasing physical damage deductibles can save approximately $525 each year
• You may be able to save up to $160 per year simply by quoting 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.

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