2020 Toyota Avalon Car Insurance Calculator

Discover and learn how changing risk factors impact the insurance cost for a 2020 Toyota Avalon. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2020 Toyota Avalon is $2,206 per year, or about $184 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

$2,206

Cost Per Month

$184

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 2020 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.

$2,206
Average Rate
Your Rate
$2,206

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.

The 'Average Rate' is a combined value for all 2020 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 2020 Toyota Avalon is $2,206.

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.

2020 Toyota Avalon vs. the Large Car Segment

The table below compares insurance rates for the 2020 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.

2020 Toyota Avalon Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Kia Cadenza$2,044-$162
2Chrysler 300$2,182-$24
3Toyota Avalon$2,206--
4Chevrolet Impala$2,210$4
2020 Large Car Average$2,275$69
5Nissan Maxima$2,284$78
6Dodge Charger$2,724$518

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.

2020 Avalon Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Toyota Avalon Insurance Rates by Trim Level
2020 Toyota Avalon Trim Level Annual Premium Cost Per Month
XLE Sedan 6 Cyl Gas$2,050$171
Limited Sedan 6 Cyl Gas$2,174$181
Touring Sedan 6 Cyl Gas$2,174$181
XSE Sedan 6 Cyl Gas$2,194$183
Hybrid XLE Sedan HEV$2,236$186
Hybrid Limited Sedan HEV$2,298$192
Hybrid XSE Sedan HEV$2,316$193

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 2020 Toyota Avalon for different driver ages.

2020 Toyota Avalon Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,010$668
17$7,746$646
18$6,905$575
19$6,292$524
20$4,803$400
21$4,576$381
22$4,089$341
23$3,352$279
24$3,168$264
25$2,564$214
30$2,350$196
35$2,264$189
40$2,206$184
45$2,064$172
50$1,956$163
55$1,828$152
60$1,834$153
65$1,956$163
70$2,124$177
75$2,518$210
80$3,116$260

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.