Toyota Avalon Insurance Cost Estimate [Guide + Free Quotes]

If you want to buy inexpensive Toyota Avalon insurance coverage then you should know that a policy will cost $111 per month ($1,330 per year) on average. Teens pay the highest rates at up to $4,861 a year, while good drivers may only pay $782.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 18, 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

If you are looking for the best way to save big on Toyota Avalon insurance rates, you’ve come to the right place. For example, drivers pay $1,330 a year, or $111 per month for Toyota Avalon car insurance rates. We have compiled this thorough guide to walk you through each step of how Toyota Avalon rates are calculated so you can see exactly how those averages have been determined.

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 Toyota Avalon car insurance rates are $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 Mazda 3, Kia Forte, and Hyundai Elantra.

Vehicle Comprehensive Collision Liability Total
Toyota Avalon $320 $536 $338 $1,330
Mazda 3 $308 $562 $372 $1,400
Kia Forte $322 $500 $372 $1,352
Hyundai Elantra $280 $562 $372 $1,372
Volkswagen Passat $332 $600 $390 $1,480
Nissan Versa $268 $542 $390 $1,358
Ford Fusion $336 $626 $372 $1,492
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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 insurance coverage.

Age of the Vehicle

The average Toyota Avalon car insurance rates are higher for newer models. For example, car 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
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Driver Age

Driver age can have a significant impact on the cost of Toyota Avalon auto insurance. For example, 20-year-old drivers pay approximately $1,626 each year for their Toyota Avalon auto insurance than 30-year-old drivers.

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 the cost of Toyota Avalon car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Avalon car insurance rates with violations on their driving record.

Toyota Avalon Safety Ratings

Your Toyota Avalon auto insurance rates are influenced by the Toyota Avalon’s safety ratings. 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
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Toyota Avalon Crash Test Ratings

Toyota Avalon crash test ratings can impact your Toyota Avalon car insurance rates. 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
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Toyota Avalon Safety Features

The more safety features you have on your Toyota Avalon, the more likely it is that you can earn a discount. 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
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Toyota Avalon Finance and Insurance Cost

If you are financing a Toyota Avalon, most lenders will require your carry higher Toyota Avalon coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Avalon car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Toyota Avalon Insurance

You have more options at your disposal to save money on your Toyota Avalon auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Toyota Avalon car insurance rates

  • Pay Your Bills On Time — Especially Toyota Avalon Payments and Insurance
  • Buy a Toyota Avalon with an Anti-Theft Device
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About Welcome Discounts
  • Check Reviews and State Complaints Before You Choose an Insurer

Top Toyota Avalon Insurance Companies

Who is the best auto insurance company for Toyota Avalon insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Avalon auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Avalon offers.

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
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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.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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