Toyota Avalon Insurance Rates
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UPDATED: Jun 2, 2023
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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 including full coverage. Comprehensive insurance costs an estimated $298 each year, collision costs $502, and liability coverage is $364. A policy with just liability insurance costs around $416 a year, with coverage for high-risk drivers costing $2,804 or more. Teenage drivers receive the highest rates at $4,770 a year or more.
Average premium for full coverage: $1,300
Rate estimates broken down by individual coverage type:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Avalon models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $416 for the bare minimum liability coverage to a high rate of $2,804 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Toyota Avalon insurance rates for other coverage scenarios.
- The best discount rate is $747
- Raising to $1,000 deductibles will save approximately $182 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,300
- Using low deductibles costs an extra $350 each year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,804 or more
- The cost to insure a teenage driver can cost as much as $4,770
Insurance rates for a Toyota Avalon can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can reduce rates by up to $540 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 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 rates. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $996 | -$304 | -23.4% |
| Arizona | $1,076 | -$224 | -17.2% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,482 | $182 | 14.0% |
| Colorado | $1,240 | -$60 | -4.6% |
| Connecticut | $1,334 | $34 | 2.6% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,624 | $324 | 24.9% |
| Georgia | $1,202 | -$98 | -7.5% |
| Hawaii | $934 | -$366 | -28.2% |
| Idaho | $882 | -$418 | -32.2% |
| Illinois | $968 | -$332 | -25.5% |
| Indiana | $980 | -$320 | -24.6% |
| Iowa | $874 | -$426 | -32.8% |
| Kansas | $1,232 | -$68 | -5.2% |
| Kentucky | $1,772 | $472 | 36.3% |
| Louisiana | $1,922 | $622 | 47.8% |
| Maine | $804 | -$496 | -38.2% |
| Maryland | $1,074 | -$226 | -17.4% |
| Massachusetts | $1,036 | -$264 | -20.3% |
| Michigan | $2,256 | $956 | 73.5% |
| Minnesota | $1,090 | -$210 | -16.2% |
| Mississippi | $1,556 | $256 | 19.7% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $936 | -$364 | -28.0% |
| New Jersey | $1,452 | $152 | 11.7% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,368 | $68 | 5.2% |
| North Carolina | $748 | -$552 | -42.5% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,098 | -$202 | -15.5% |
| Tennessee | $1,138 | -$162 | -12.5% |
| Texas | $1,566 | $266 | 20.5% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $888 | -$412 | -31.7% |
| Virginia | $776 | -$524 | -40.3% |
| Washington | $1,004 | -$296 | -22.8% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $898 | -$402 | -30.9% |
| Wyoming | $1,154 | -$146 | -11.2% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Avalon XL | $1,220 | $102 |
| Toyota Avalon XLS | $1,300 | $108 |
| Toyota Avalon Limited | $1,340 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Toyota Avalon | $308 | $524 | $354 | $1,322 |
| 2021 Toyota Avalon | $298 | $502 | $364 | $1,300 |
| 2020 Toyota Avalon | $282 | $484 | $376 | $1,278 |
| 2019 Toyota Avalon | $270 | $450 | $384 | $1,240 |
| 2018 Toyota Avalon | $260 | $424 | $388 | $1,208 |
| 2017 Toyota Avalon | $248 | $380 | $390 | $1,154 |
| 2016 Toyota Avalon | $232 | $350 | $390 | $1,108 |
| 2015 Toyota Avalon | $224 | $328 | $394 | $1,082 |
| 2014 Toyota Avalon | $220 | $306 | $402 | $1,064 |
| 2011 Toyota Avalon | $184 | $236 | $402 | $958 |
| 2008 Toyota Avalon | $166 | $188 | $390 | $880 |
| 2007 Toyota Avalon | $162 | $178 | $384 | $860 |
| 2006 Toyota Avalon | $148 | $170 | $380 | $834 |
| 2005 Toyota Avalon | $144 | $162 | $376 | $818 |
Rates are averaged for all Toyota Avalon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Toyota Avalon Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following is a quick rundown of the concepts that were covered above.
- Drivers with reckless driving or DUI convictions may have to pay on average $1,500 more annually for Avalon insurance
- Teens are expensive to insure, as much as $398 per month if full coverage is included
- You may be able to save approximately $160 per year simply by quoting online in advance
- Increasing deductibles could save as much as $525 each year
- You may be able to save approximately $160 per year simply by quoting online in advance
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Avalon 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon Hybrid 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Avalon 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Toyota Avalon 4 DR FWD | N/R | N/R | N/R | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 1% |
| Property Damage | -31% |
| Comprehensive | 12% |
| Personal Injury | 8% |
| Medical Payment | 0% |
| Bodily Injury | -18% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,770 |
| 20 | $2,978 |
| 30 | $1,360 |
| 40 | $1,300 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,650 |
| $250 | $1,488 |
| $500 | $1,300 |
| $1,000 | $1,118 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,413 |
| 100/300 | $1,504 |
| 250/500 | $1,740 |
| 100 CSL | $1,449 |
| 300 CSL | $1,649 |
| 500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,820 |
| 20 | $4,738 |
| 30 | $2,868 |
| 40 | $2,804 |
| 50 | $2,672 |
| 60 | $2,648 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $60 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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