Toyota Avalon Car Insurance Calculator

Learn and understand how changes to different risk factors impact the cost of car insurance for a Toyota Avalon. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2022 Toyota Avalon is $2,244 per year, or about $187 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,244

Cost Per Month

$187

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Avalon Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Toyota Avalon.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,244
Average Rate
Your Rate
$2,244

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Toyota Avalon.

The 'Average Rate' is a combined value for all Toyota Avalon trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Toyota Avalon is $2,244.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Toyota Avalon vs. the Large Car Segment

The table below compares insurance rates for the 2022 Toyota Avalon against all other models in the large car segment. The Toyota Avalon is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Avalon, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Avalon.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Toyota Avalon Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Toyota Avalon$2,244--
2Chrysler 300$2,288$44
3Nissan Maxima$2,386$142
2022 Large Car Average$2,471$227
4Dodge Charger$2,966$722

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Avalon Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Toyota Avalon.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Toyota Avalon Insurance Rates by Trim Level
2022 Toyota Avalon Trim Level Annual Premium Cost Per Month
XLE$2,150$179
XLE Hybrid$2,174$181
XSE Hybrid Nightshade$2,250$188
Limited$2,290$191
Touring$2,298$192
Limited Hybrid$2,304$192

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Toyota Avalon for different driver ages.

2022 Toyota Avalon Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,136$678
17$7,872$656
18$7,032$586
19$6,401$533
20$4,886$407
21$4,657$388
22$4,161$347
23$3,412$284
24$3,221$268
25$2,608$217
30$2,388$199
35$2,304$192
40$2,244$187
45$2,098$175
50$1,988$166
55$1,856$155
60$1,862$155
65$1,988$166
70$2,160$180
75$2,554$213
80$3,158$263

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Avalon trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Toyota Avalon.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Toyota Avalon Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2022 Toyota Avalon$2,244$187
2021 Toyota Avalon$2,272$189
2020 Toyota Avalon$2,206$184
2019 Toyota Avalon$1,998$167
2018 Toyota Avalon$1,876$156
2017 Toyota Avalon$1,806$151
2016 Toyota Avalon$1,680$140
2015 Toyota Avalon$1,456$121
2014 Toyota Avalon$1,664$139
2013 Toyota Avalon$1,500$125

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Toyota Avalon trim levels for each model year.