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How Much is Insurance on a Toyota Avalon?

The cost of Toyota Avalon car insurance rates are $1,330 a year, or around $111 a month on average. Mature drivers with good driving records may find rates as low as $782 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 15, 2020

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Key takeaways:

  • Full coverage costs around $1,330 a year or $111 each month
  • A liability-only policy costs around $533 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,861 a year or $405 each month
  • Good drivers can save as much as $548 a year by earning policy discounts
  • Toyota Avalon insurance costs around $189 less per year than the average vehicle

Toyota Avalon insurance rates are about $189 less per year than the average vehicle with full coverage costing about $1,330 a year or $111 a month. The highest rates are for teens who will pay about $4,861 a year or $405 a month.

Good drivers save up to $548 a year in policy discounts. Let’s take a closer look at Toyota Avalon insurance rates, safety ratings, and more.

You can start comparing quotes for Toyota Avalon car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Avalon Insurance Cost

The average auto insurance rates for a Toyota Avalon cost $1,330 a year or $111 a month.

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Are Toyota Avalons Expensive to Insure?

The chart below details how Toyota Avalon insurance rates compare to other sedans like the Audi A3, Kia Optima, and Honda Civic.

Vehicle Comprehensive Collision Liability Total
Toyota Avalon $320 $536 $338 $1,330
Audi A3 $282 $566 $398 $1,404
Kia Optima $322 $532 $420 $1,454
Honda Civic $280 $656 $420 $1,536
Buick Regal $306 $536 $398 $1,398
Ford Fusion $336 $626 $372 $1,492
Dodge Charger $376 $626 $466 $1,668

However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Avalon Insurance?

The Toyota Avalon trim and model you choose can impact the total price you will pay for Toyota Avalon car insurance coverage.

Age of the Vehicle

The average Toyota Avalon auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Toyota Avalon costs $1,330, while 2010 Toyota Avalon insurance costs are $1,082, a difference of $248.

Model Year Comprehensive Collision Liability Total
2018 Toyota Avalon $320 $536 $338 $1,330
2017 Toyota Avalon $308 $524 $354 $1,322
2016 Toyota Avalon $298 $502 $364 $1,300
2015 Toyota Avalon $282 $484 $376 $1,278
2014 Toyota Avalon $270 $450 $384 $1,240
2013 Toyota Avalon $260 $424 $388 $1,208
2012 Toyota Avalon $248 $380 $390 $1,154
2011 Toyota Avalon $232 $350 $390 $1,108
2010 Toyota Avalon $224 $328 $394 $1,082

Driver Age

Driver age can have a significant effect on the cost of Toyota Avalon car insurance. For example, a 20-year-old driver could pay around $136 more each month for their Toyota Avalon car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Avalon insurance rates. For example, drivers in Los Angeles may pay $190 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on your Toyota Avalon auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Avalon car insurance with violations on their driving record.

Toyota Avalon Safety Ratings

Your Toyota Avalon car insurance rates are tied to the safety ratings of the Toyota Avalon. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Toyota Avalon Crash Test Ratings

Toyota Avalon crash test ratings can impact the cost of your Toyota Avalon car insurance. See Toyota Avalon crash test results below:

Vehicle Tested Overall Frontal Side Rollover
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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Toyota Avalon Safety Features

Having a variety of safety features on your Toyota Avalon can help lower your Toyota Avalon insurance costs. The Toyota Avalon’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Toyota Avalon Insurance Loss Probability

The Toyota Avalon’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Toyota Avalon, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 13%
Property Damage -28%
Comprehensive 12%
Personal Injury 6%
Medical Payment -2%
Bodily Injury -26%
Source: Insurance Institute for Highway Safety

Toyota Avalon Finance and Insurance Cost

If you are financing a Toyota Avalon, you will pay more if you purchase Toyota Avalon car insurance at the dealership, so be sure to shop around and compare Toyota Avalon car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Toyota Avalon Insurance

Although it may seem like your Toyota Avalon car insurance rates are set, there are a few measures that you can take to secure the best Toyota Avalon car insurance rates possible. Take a look at the following five ways to save on Toyota Avalon auto insurance.

  • Tell Your Insurer About Different Drivers or Uses for Your Toyota Avalon
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Don’t Always Pick the Cheapest Toyota Avalon Insurance Policy
  • Choose a Toyota Avalon with Cheaper Repair Costs
  • Move to an Area with a Lower Cost of Living

Top Toyota Avalon Insurance Companies

The best auto insurance companies for Toyota Avalon car insurance rates will offer competitive rates, discounts, and account for the Toyota Avalon’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Toyota Avalon Insurance Quotes Online

You can start comparing quotes for Toyota Avalon auto insurance rates from some of the best auto insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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