Toyota Avalon Car Insurance [Everything You Need to Know]

Toyota Avalon auto insurance rates are around $111 per month, but teen drivers can pay as much as $405 a month for Toyota Avalon auto insurance coverage. Find cheap Toyota Avalon auto insurance quotes online when you comparison shop. Enter your ZIP code below to start comparing Toyota Avalon auto insurance costs now.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 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

The average auto insurance rates for a Toyota Avalon cost $1,330 a year, or around $111 a month. Now you have a baseline as you comparison shop for your Toyota Avalon insurance rates. Make sure you don’t just by the cheapest coverage. Truly compare apples to apples. We can help with that. Learn more about the factors you should compare when Toyota Avalon car insurance shopping.

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 Audi A3, Toyota Camry and Dodge Charger.

Vehicle Comprehensive Collision Liability Total
Toyota Avalon $320 $536 $338 $1,330
Audi A3 $282 $566 $398 $1,404
Toyota Camry $294 $570 $390 $1,412
Dodge Charger $376 $626 $466 $1,668
Nissan Sentra $254 $570 $390 $1,372
Audi S3 $356 $744 $264 $1,474
Chevrolet Sonic $270 $536 $398 $1,362
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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 car insurance coverage.

Age of the Vehicle

Older Toyota Avalon models generally cost less to insure. For example, car insurance rates for a 2018 Toyota Avalon are $1,330, while 2010 Toyota Avalon rates 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 Toyota Avalon auto insurance rates. As an example, a 40-year-old driver could pay $140 less each month for their Toyota Avalon auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Avalon insurance rates. For example, drivers in Phoenix may pay $731 a year less than drivers in Los Angeles.

Your Driving Record

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

Toyota Avalon Safety Ratings

The Toyota Avalon’s safety ratings will affect your Toyota Avalon car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side G
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
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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:

Federal Government Crash Test Ratings 2019 2018 2017
Overall Rating 5 5 5
Frontal Crash 4 4 4
Side Crash 5 5 5
Rollover 4 4 4
Source: National Highway Traffic Safety Administration

Toyota Avalon Safety Features

Good Toyota Avalon safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Toyota Avalon are:

  • Star Safety System™
  • Ten airbags105
  • Driver and front passenger Whiplash-Injury-Lessening (WIL) seats
  • LATCH (Lower Anchors and Tethers for Children)
  • Child-protector rear door locks and power window lockout control
  • Energy-absorbing collapsible steering column
  • Front and rear energy-absorbing crumple zones
  • Side-impact door beams
  • Tire Pressure Monitor System (TPMS) with direct pressure readout
  • Collision sensors
  • Safety Connect®
  • Toyota Safety Sense™
  • Blind Spot Monitor with Rear Cross-Traffic Alert
  • Intelligent Clearance Sonar with Rear Cross-Traffic Braking
  • Hill Start Assist Control
  • Anti-theft system with alarm and engine immobilizer
  • ToyotaCare

Toyota Avalon Insurance Loss Probability

The lower percentage means lower Toyota Avalon car insurance rates; higher percentages mean higher Toyota Avalon auto insurance rates. Insurance loss probability on the Toyota Avalon fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 13%
Property Damage -28%
Comprehensive 12%
Personal Injury 6%
Medical Payment -2%
Bodily Injury -26%
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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 quotes from the best companies using our FREE tool below.

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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 three ways to save on Toyota Avalon auto insurance.

  • Improve your Credit Score
  • Re-Check Toyota Avalon Auto Insurance Quotes Annually or Semi-annually
  • Buy An Older Toyota Avalon

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
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