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.

Average insurance prices for a Toyota Avalon are $1,278 every 12 months including full coverage. Comprehensive costs approximately $282, collision insurance costs $484, and liability costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs around $2,760. Teenage drivers receive the highest rates at up to $4,732 a year.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Avalon models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

These examples highlight why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down average Toyota Avalon insurance rates for additional coverage and risk scenarios.

• The best discount rate is $734
• Drivers who choose higher $1,000 deductibles will pay $174 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,278
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,614
• Drivers who are prone to accidents and violations could pay around $2,760
• The cost to insure a 16-year-old driver for full coverage can cost $4,732 a year

View Chart as Image

Car insurance rates for a Toyota Avalon can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Avalon.

Using high physical damage deductibles could save up to $510 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Toyota Avalon insurance for high-risk drivers can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,820 on average in Louisiana, New York, and Michigan.

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 Cheaper Toyota Avalon Insurance

Saving money on insurance for a Toyota Avalon not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below is a condensed summary of the material that was illustrated above.

• Insureds who purchase higher levels of liability will pay an extra $410 per year to go from a minimum limit to a 250/500 level
• Teenage drivers pay the highest auto insurance rates, as much as $394 per month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,480 more per year for auto insurance
• Increasing 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