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.

Estimated insurance prices for a Toyota Avalon are $1,300 every 12 months with full coverage. Comprehensive costs around $298, collision insurance costs $502, and liability costs $364. A liability-only policy costs as little as $416 a year, and high-risk insurance costs around $2,804. 16-year-old drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,300

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Avalon trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

The chart below details average Toyota Avalon insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $747
• Drivers who choose higher $1,000 deductibles will pay about $182 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,300
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,650
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,804
• An auto insurance policy to insure a teen driver with full coverage can be $4,770 a year

View Chart as Image

Auto insurance prices for a Toyota Avalon also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Avalon insurance prices. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $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 Cheap Toyota Avalon Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies, and also from several local insurance agents.

The following list is a brief summary of the material that was touched on in the above illustrations.

• Policyholders who may need an increased level of liability coverage will pay around $400 every year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $398 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,500 more every year than a safer driver
• Increasing policy deductibles could save as much as $525 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