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 $1,300 every 12 months with full coverage. Comprehensive insurance costs around $298 a year, collision insurance costs $502, and liability is $364. Buying just liability costs around $416 a year, and insurance for high-risk drivers costs $2,804 or more. Teenage drivers receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code 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.

Rate Comparisons

The chart below details average 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 average price for a 40-year-old driver using $500 deductibles is $1,300
• Using low $100 deductibles costs an extra $350 annually
• Drivers who are prone to accidents and violations could pay at least $2,804
• The cost to insure a 16-year-old driver can be $4,770

View Chart as Image

Auto insurance rates for a Toyota Avalon can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $540 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Toyota Avalon insurance prices. A middle-age driver might find rates 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

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 the Best Toyota Avalon Insurance

Saving money on insurance for a Toyota Avalon consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief recap of the information touched on in this article.

• You may be able to save up to $160 per year just by quoting early and online
• Teenage drivers are expensive to insure, with premiums as much as $398 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $525 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $1,500 more every year for auto insurance
• Insureds who may need higher levels of liability will pay an extra $400 every year to raise from a minimum limit to a 250/500 level

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