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.

The average insurance prices for a Toyota Avalon are $1,278 every 12 months with full coverage. Comprehensive costs on average $282, collision insurance costs $484, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, and high-risk coverage costs around $2,760. Teens cost the most to insure at up to $4,732 a year.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how where you live affects car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

The chart below details average Toyota Avalon insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $734
• Choosing higher $1,000 deductibles can save around $174 annually
• The average price for a good driver age 40 with $500 deductibles is $1,278
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,614
• Unlucky drivers with serious driving violations could pay upwards of $2,760
• Policy cost to insure a teen driver for full coverage may cost $4,732 each year

View Chart as Image

Insurance rates for a Toyota Avalon also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Avalon.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. Toyota Avalon insurance for high-risk drivers ranges as much as 44% to 131% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Avalon insurance prices. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,720 on average in Florida, Michigan, and New York.

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 Shop for More Affordable Toyota Avalon Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a summary of the material that was touched on in the above illustrations.

• Policyholders who require additional liability coverage will pay approximately $410 every year to raise limits from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, as much as $394 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $500 each year

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