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 auto insurance rates for a Toyota Avalon are $1,300 annually with full coverage. Comprehensive insurance costs approximately $298, collision insurance costs $502, and liability coverage costs around $364. A policy with just liability insurance costs as low as $416 a year, and coverage 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 by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Avalon trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save $182 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Using more expensive low deductibles for physical damage coverage costs an additional $350 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,804
• The cost with full coverage for a teenage driver with full coverage can cost $4,770 or more

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Avalon insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

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 Buy the Best Toyota Avalon Insurance

Saving money on auto insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief recap of the coverage data covered in the above illustrations.

• You may be able to save around $160 per year just by shopping early and online
• Increasing deductibles could save up to $525 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $398 per month if they have full coverage
• Drivers who tend to receive serious violations may pay on average $1,500 more per year than a safer driver

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