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.

The average insurance rates for a Toyota Avalon are $1,322 a year including full coverage. Comprehensive costs on average $308, collision insurance costs $524, and liability costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs around $2,850. Teens cost the most to insure at up to $4,818 a year.

Average premium for full coverage: $1,322

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Avalon models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down average Toyota Avalon insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $756
• Using higher $1,000 deductibles will save around $190 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,322
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,686
• Drivers with serious driving violations could pay upwards of $2,850
• Policy cost for full coverage for a teen driver for full coverage may cost $4,818 or more

View Chart as Image

Insurance rates for a Toyota Avalon also range considerably based on your risk profile, the model of your Avalon, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state has a huge impact on Toyota Avalon insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $560 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,100 extra every year, depending on your age. Toyota Avalon insurance for high-risk drivers can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

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

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the information illustrated above.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Teen drivers pay the highest rates, with premiums being up to $402 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $550 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,530 more each year to insure their Avalon
• Policyholders who require more liability coverage will pay approximately $390 per year to increase from a 30/60 limit to 250/500 limits

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