Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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

Toyota Avalon insurance rates are $111 per month or $1,330 per year. You can pay as low as $44 per month with liability-only auto insurance. However, Toyota Avalon insurance rates for teens is $405 per month. Continue through this guide to learn how you can save money auto insurance.

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.

Toyota Avalon Insurance Cost

The average auto insurance costs for a Toyota Avalon 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 Lincoln MKZ, Toyota Camry, and Cadillac ATS.

Vehicle Comprehensive Collision Liability Total
Toyota Avalon $320 $536 $338 $1,330
Lincoln MKZ $320 $686 $450 $1,636
Toyota Camry $294 $570 $390 $1,412
Cadillac ATS $294 $566 $398 $1,416
Chevrolet Malibu $322 $532 $372 $1,384
Nissan Maxima $372 $630 $390 $1,550
Chevrolet Cruze $308 $594 $372 $1,432
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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?

Even though the average annual rate for the Toyota Avalon is $1,330, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Avalon.

Age of the Vehicle

Older Toyota Avalon models generally cost less to insure. For example, auto insurance for a 2018 Toyota Avalon costs $1,330, while 2010 Toyota Avalon insurance 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 effect on Toyota Avalon auto insurance rates. For example, 20-year-old drivers pay $1,626 more for their Toyota Avalon auto insurance each year 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 $731 a year more than drivers in Phoenix.

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 auto 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
Source: Insurance Institute for Highway Safety
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Toyota Avalon Crash Test Ratings

Toyota Avalon crash test ratings will affect your Toyota Avalon auto insurance rates.

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 lower percentage means lower Toyota Avalon auto 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%
Source: Insurance Institute for Highway Safety
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Toyota Avalon Finance and Insurance Cost

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

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5 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 auto insurance rates

  • Watch Your Insurer Closely When Your Toyota Avalon Needs Repairs
  • Ask About Farm and Ranch Vehicle Discounts
  • Ask About Retiree Discounts
  • Ask for a Higher Deductible for Your Toyota Avalon Auto Insurance Policy
  • Buy Your Toyota Avalon with Cash, or Get a Shorter-Term Loan

Top Toyota Avalon Insurance Companies

Who is the top 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.