2021 Toyota Avalon Car Insurance Calculator

Monitor in real-time how different factors affect the cost of insurance for a 2021 Toyota Avalon. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2021 Toyota Avalon is $2,272 per year, or about $189 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

$2,272

Cost Per Month

$189

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 2021 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.

$2,272
Average Rate
Your Rate
$2,272

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 2021 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 2021 Toyota Avalon is $2,272.

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.

2021 Toyota Avalon vs. the Large Car Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota Avalon Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Kia Cadenza$2,108-$164
2Chrysler 300$2,250-$22
3Toyota Avalon$2,272--
4Nissan Maxima$2,354$82
2021 Large Car Average$2,358$86
5Dodge Charger$2,806$534

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.

2021 Avalon Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota Avalon Insurance Rates by Trim Level
2021 Toyota Avalon Trim Level Annual Premium Cost Per Month
XLE Sedan 6 Cyl Gas$2,112$176
Limited Sedan 6 Cyl Gas$2,240$187
Touring Sedan 6 Cyl Gas$2,240$187
XSE Sedan 6 Cyl Gas$2,260$188
Hybrid XLE Sedan HEV$2,306$192
Hybrid Limited Sedan HEV$2,368$197
Hybrid XSE Sedan HEV$2,384$199

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 2021 Toyota Avalon for different driver ages.

2021 Toyota Avalon Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,243$687
17$7,977$665
18$7,121$593
19$6,484$540
20$4,952$413
21$4,719$393
22$4,216$351
23$3,453$288
24$3,265$272
25$2,642$220
30$2,422$202
35$2,334$195
40$2,272$189
45$2,126$177
50$2,014$168
55$1,882$157
60$1,886$157
65$2,016$168
70$2,184$182
75$2,588$216
80$3,202$267

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.