Toyota Avalon Car Insurance: How Much Should You Expect to Pay?

The average auto insurance rate for a Toyota Avalon averages out to be around $153 a month. Our comprehensive guide will provide the information you need to know about how much insurance carriers might charge you to insure your Toyota Avalon.

Quick Facts

  • A Toyota Avalon is more affordable to insure than the average car.

  • Liability car insurance for an Avalon runs around $80 per month, while full coverage usually comes in at about $155.

  • ACG provides the cheapest average premiums for an Avalon with liability only coverage offered for as little as just $24 monthly.

Avalon Overview

The Toyota Avalon is a great car for all budgets, with new 2021 models starting at $35,875. There are six different trim levels currently offered, so there's a style for every driver.

Based on looking at thousands of insurance quotes from Compare.com, we've found that average Toyota Avalon car insurance premiums run around $153 a month. Compared to other vehicles in the market, how do Avalon auto insurance prices stack up?

Current Base Price$35,875
Body Style(s)Car
Trim LevelsXSE, TOURING, LIMITED, TRD, NIGHT SHADE/TRD, XLE
Average Insurance Premium$153/mo.
Cheapest Insurance CompanyACG

How Much is Car Insurance for a Toyota Avalon?

Vehicle Liability Only Full Coverage
Toyota Avalon$80$155
All Toyota Models$79$162
All Cars$83$177
Average Insurance Premium$81$169

You'll see in the table above that when you compare the Toyota Avalon to other vehicles, insurance rates are right about average. On average, Avalon owners will pay around $155 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Avalon is on par with Toyota's vehicle offerings. Compared to offerings from other brands, car insurance for an Avalon is also more affordable, with liability only insurance premiums coming in about 4% less and 12% less for full coverage.

Compared to all vehicles of any body type, insurance prices for both liability only and full coverage policies run lower than average.

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Who has the Cheapest Car Insurance for a Toyota Avalon?

Insurance Company Average Monthly Premium
ACG$24
Hallmark$28
Shelter Mutual$32
AmericanAlliance$38
Hugo$38

Browsing for an auto insurance policy for your Toyota Avalon? You're likely wondering which carrier offers the cheapest prices. While there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from ACG. The next most affordable carrier is Hallmark, who offers auto insurance as low as just $28 monthly.

Rounding out the list are Shelter Mutual, AmericanAlliance, and Hugo. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a variety of different factors into consideration when offering you rates. The only way to guarantee you find the lowest rates is to compare quotes from multiple car insurance companies.

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What Factors Affect Car Insurance Rates for a Toyota Avalon?

There are many variables that insurance carriers look at to calculate how much to charge you for auto insurance -- and every company weighs certain pieces more than others, so there's not just one carrier that's the cheapest for everyone.

The following sections show a range of things car insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$75
2-3 Years$73
4-5 Years$93
6-7 Years$81
8-10 Years$84
11-14 Years$81
15 Years or Older$78

Toyota has been making the Avalon for quite some time, so the car's age may play a role in how much you'll pay for auto insurance. Normally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually get lower.

As you can see in the table above, the Toyota Avalon bucks the trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest Avalons are 2 to 3 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$121
18-24$114
25-34$82
35-44$75
45-54$65
55-64$61
65 or Older$62

Your age is another variable that plays a big role in how much insurance carriers will charge you. As you can see above, those who have more experience pay less than the youngest drivers. Toyota Avalon drivers under 18 actually pay $39 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for Avalon drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$82
Female$78

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. When it comes to Avalon drivers specifically, men pay around $4 more than women per month for car insurance.

Where You Live

State Average Monthly Premium
California$56
Florida$131
Georgia$107
Illinois$49
New York$162
North Carolina$49
Ohio$58
Pennsylvania$76
Texas$63
Virginia$62

You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live can be equally important? Since insurance is regulated on a state-by-state basis, premiums can fluctuate quite a bit from state to state.

For example, the average Toyota Avalon owner from New York pays about $162 a month for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

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Toyota Avalon Car Insurance Discounts

Whatever your age, your home state, or your car, it's always important to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

  • Defensive driving discounts for taking a defensive driving class through an accredited school or institution
  • Multi-vehicle discounts for adding more than one car to your auto policy
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Multi-policy discounts for bundling your home and auto policies with the same insurance carrier

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit that you can control. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$102
Multiple Accidents$116
1 Ticket$85
Multiple Tickets$118

You've almost certainly seen ads from insurance companies promoting large savings for responsible drivers. And you probably wouldn't be surprised that if you get into a collision or get a speeding ticket, car insurance premiums will get higher. But you're probably wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost Avalon drivers more than tickets, but both will cause a significant increase in rates. Toyota Avalon drivers with one accident on their record pay about $102 every month (up $22 from the $80/mo. overall average), while drivers with a single ticket will pay an average of $85 per month. The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$76
2,501-5,000 Miles$74
5,001-7,500 Miles$74
7,501-10,000 Miles$83
10,000+ Miles$81

The total distance you drive each year plays a role in your insurance rates. Drivers who are on the roads less are more likely to go accident-free, so they'll normally end up spending less on car insurance. Above, you can see that Toyota Avalon owners who drive fewer than 2,500 miles each year pay about $76 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $81.

If you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Toyota Avalons Compare to Other Vehicles?

If you're considering buying a new vehicle and a Toyota Avalon is on your shortlist, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Toyota Avalon stacks up:

Toyota Avalon National Average
Liability Insurance$99$81
Full Coverage Insurance$162$169
Base MSRP$35,875$46,179
Average Annual Mileage11,54711,660

Overall, the Toyota Avalon is a great value when it comes to price, with an MSRP that's less than the going rate for a new vehicle. The Avalon starts at $35,875, which is quite a bit lower than the national average vehicle price of $46,179.

Although the purchase price is on the cheaper end of the spectrum, auto insurance prices are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Avalon is around $7 a month cheaper than average, while liability only coverage is $18 higher monthly.

When it comes to usage, Toyota Avalon drivers are near the national average in annual miles driven, with 11,660 miles a year for all vehicles compared to the Avalon's 11,547 per year.

Toyota Avalon Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on how much the average driver pays to insure a Toyota Avalon. If you're in the market for a new car, truck, or SUV and the Avalon is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

That's why we've crunched the numbers and broken down Toyota Avalon insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, like cheapest insurance company, base price, and even available trims for each Avalon model year.

2021 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$99
Full Coverage Avg. Premium$162
Base MSRP$35,875
Cheapest Insurance CompanySafeco - $41/mo.
Available TrimsLIMITED, NIGHT SHADE/TRD, TOURING, TRD, XLE, XSE

If you're searching for a brand new Toyota Avalon, you've got plenty of options. A 2021 Toyota Avalon starts at about $35,875 for the base model, with six different trim levels to pick from.

When it comes to insuring a Avalon, it costs around $99 a month, on average, to insure a 2021 Toyota Avalon for liability only and $162 per month for full coverage. And if you want the most affordable insurance possible, Safeco offers liability only policies for as little as $41 monthly.

Although it's helpful to know how much the average driver pays for insurance, you'll never know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can gather multiple quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

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2020 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$143
Base MSRP$35,875
Cheapest Insurance CompanyFiesta - $28/mo.
Available TrimsLIMITED, TOURING, XLE, XSE, XSE/TRD

If you're looking to buy a 2020 Avalon or already own one, you can expect an average auto insurance premium of about $80 for liability or $143 for full coverage.

And if you're just looking for the lowest car insurance for your Avalon, Fiesta offers liability only policies for sometimes as low as $28 a month.

If you want to know exactly how much you can expect to pay for your Avalon, just enter your ZIP code below and get several free quotes in minutes.

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2019 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$121
Full Coverage Avg. Premium$186
Base MSRP$35,650
Cheapest Insurance CompanyMercury - $38/mo.
Available TrimsXLE/XSE/LIMITED, XLE/XSE/LIMITED/TOURING

On average, drivers who own a 2019 Avalon can expect to pay $121 to $186 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2019 Toyota Avalon insurance policy, Mercury offered the most affordable policy we found, with rates sometimes as little as $38 per month.

Want something more accurate than nationwide averages? Get lots of customized quotes for free by just entering your ZIP code below.

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2018 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$179
Base MSRP$33,500
Cheapest Insurance CompanyCommonwealth Casualty - $38/mo.
Available TrimsHYBRID/XLE PLUS/XLE PREMIUM/LIMITED, XLE/XLE PLUS/XLE PREMIUM/TOURING/LIMITED

The average cost to insure a 2018 Toyota Avalon with liability only coverage is $97 a month, while full coverage runs around $179 monthly.

With premiums sometimes as cheap as $38 per month, Commonwealth Casualty offered the cheapest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2017 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$166
Base MSRP$33,300
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsHYBRID/XLE PLUS/XLE PREMIUM/LIMITED, XLE/XLE PLUS/XLE PREMIUM/TOURING/LIMITED

2017 Avalon drivers can expect to pay an average of $62 monthly for liability or $166 for full coverage.

We found Hugo offered the lowest policy, with rates as cheap as $20 per month.

What will your auto insurance price be? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance carriers.

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2016 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$156
Base MSRP$32,650
Cheapest Insurance CompanyMetroMile - $18/mo.
Available TrimsHYBRID/XLE PLUS/XLE PREMIUM/LIMITED, XLE/XLE PLUS/XLE PREMIUM/TOURING/LIMITED

It costs about $81 a month for liability or $156 for a full coverage policy for the 2016 Toyota Avalon.

With prices as low as $18 per month, MetroMile offered the most affordable policy we found for the 2016 Toyota Avalon.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$104
Full Coverage Avg. Premium$169
Base MSRP$32,285
Cheapest Insurance CompanyOhio Mutual - $18/mo.
Available TrimsHYBRID/PREMIUM/TOURING/LIMITED, XLE/PREMIUM/TOURING/LIMITED

You can expect full coverage for a 2015 Avalon to run around $169 monthly, while liability only coverage will average about $104 a month.

Ohio Mutual has rates as cheap as just $18 per month for the 2015 Toyota Avalon.

If you're looking for a more exact figure on what you should pay for insurance for a 2015 Toyota Avalon, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$165
Base MSRP$31,590
Cheapest Insurance CompanyLiberty Mutual - $23/mo.
Available TrimsBASE/PREMIUM/TOURING/LIMITED, HYBRID/PREMIUM/TOURING/LIMITED

2014 Toyota Avalon drivers can expect to pay an average of $89 monthly for liability or $165 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as little as $23 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2013 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$146
Base MSRP$30,990
Cheapest Insurance CompanyShelter Mutual - $22/mo.
Available TrimsBASE/PREMIUM/TOURING/LIMITED, HYBRID/PREMIUM/TOURING/LIMITED

It costs around $71 per month for liability or $146 for a full coverage policy for the 2013 Avalon.

Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as low as $22 a month.

Interested in what your car insurance rate could look like? Just enter your ZIP code below to get a variety of free personalized quotes.

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2012 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$114
Full Coverage Avg. Premium$165
Base MSRP$33,195
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsBASE/LIMITED

You can expect full coverage for a 2012 Toyota Avalon to run about $165 monthly, while liability only coverage will average around $114 per month.

With prices sometimes as low as $18 a month, MetLife offered the cheapest policy we found for the 2012 Toyota Avalon.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2011 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$180
Base MSRP$33,195
Cheapest Insurance CompanyMetLife - $25/mo.
Available TrimsBASE/LIMITED

The average cost to insure a 2011 Avalon with liability only coverage is $87 monthly, while full coverage runs about $180 a month.

We found MetLife offered the lowest policy, with rates as cheap as $25 per month.

While these are good estimates of what the average driver might pay to insure a 2011 Toyota Avalon, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2010 Toyota Avalon Car Insurance

   
Liability Only Avg. Premium$96
Full Coverage Avg. Premium$167
Base MSRP$27,945
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsXL/XLS/LIMITED

On average, drivers who own a 2010 Toyota Avalon can expect to pay $96 to $167 monthly for liability only and full coverage auto insurance, respectively.

With prices as low as just $17 a month, Liberty Mutual offered the cheapest policy we found.

These average premiums are a great starting point if you're in the market for a 2010 Toyota Avalon, but there are a whole range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Toyota Avalon Insurance FAQs

Is a Toyota Avalon expensive to insure?

Liability insurance runs an average of $80 monthly, while full coverage will cost you around $155. Compared to the national average of all vehicles, rates come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Toyota Avalon?

The only way to be sure you're getting the most affordable price on insurance is to regularly shop around and compare quotes from lots of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Avalon affect my insurance rates?

You might have heard that it costs more to insure red cars than silver or white ones, but that's actually not true. There are several factors car insurance companies use when they offer prices, but your Avalon's color is not used to make that determination.

Do I need to have insurance before I buy a Toyota Avalon?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Toyota Avalon?

There are a ton of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your Toyota Avalon and more on you, but if your Avalon has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, get in touch with your insurance company and ask about their list of discounts.

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