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 for full coverage insurance. Comprehensive insurance costs on average $298 a year, collision costs $502, and liability costs $364. A policy with just liability insurance costs as little as $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 by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Avalon trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Toyota Avalon insurance rates for different risk profiles and scenarios.

• The best discount rate is $747
• Drivers who choose higher $1,000 deductibles will pay around $1,118 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,300
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $350 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,804 or more
• The price that insures a teen driver may cost $4,770 a year

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 record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 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 may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Switching 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 only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every 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 the Best Toyota Avalon Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at least every other year by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who tend to receive serious violations may pay on average $1,500 more each year to insure a Toyota Avalon
• It is possible to save as much as $160 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Policyholders who require increased liability limits will pay an extra $400 annually to go from a low limit to the 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