Nissan Maxima vs Toyota Avalon – Which Car Insurance is Cheapest?

Does the Nissan Maxima or the Toyota Avalon have cheaper car insurance rates? We crunched the numbers for the 2016 through 2022 model years to find the winner.

Start a Free QuoteCompare car insurance rates and save on your next policy.

  • When comparing 2022 models (Avalon production ended with the 2022 model), a Toyota Avalon has cheaper car insurance rates than a Nissan Maxima by an average of $108 per year.
  • Out of four models in the 2022 large car segment, the Nissan Maxima ranks third and the Toyota Avalon ranks first for insurance affordability.
  • If the cheapest insurance payments are a high priority, the SV and SR trims are the cheapest Nissan Maxima models to insure, while the XLE and XLE Hybrid trims are the cheapest Toyota Avalon models to insure.

Is a Nissan Maxima or Toyota Avalon cheaper to insure?

For 2022, the model having cheaper average car insurance is the Toyota Avalon. Insurance rates on a Nissan Maxima cost an average of $1,846 per year, while insurance for the Toyota Avalon costs an average of $1,738 per year.

Within each model, however, the cost of car insurance varies greatly for different trim levels. For a 2022 Nissan Maxima, average insurance rates range from $1,780 per year for the SV model up to $1,880 for the Platinum model. For a 2022 Toyota Avalon, rates can range from $1,666 per year for the XLE model up to $1,782 for the most expensive to insure Limited Hybrid model.

When comparing both models at a trim-level basis, the cheapest model and trim level is the Toyota Avalon XLE at an average of $1,666 per year, and the most expensive model and trim level is the Nissan Maxima Platinum costing $1,880 per year.

For a 2022 Nissan Maxima, the cheapest models are the SV, SR, and Platinum. The cheapest Toyota Avalon models include the XLE, XLE Hybrid, and XSE Hybrid Nightshade. From a monthly standpoint, insurance rates for all 2022 Nissan Maxima and Toyota Avalon models and trims range from $139 to $157 per month.

For pre-2022 models, average insurance premiums for a Maxima and an Avalon compare as shown below. Click any model year to view the full comparison data.

The rate table below compares the annual and monthly car insurance cost for 2022 Nissan Maxima and Toyota Avalon models, with average rates for every trim level for each model.

2022 Nissan Maxima vs Toyota Avalon Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,666$139
$1,684$140
$1,742$145
$1,774$148
$1,778$148
$1,780$148
$1,782$149
$1,876$156
$1,880$157

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Nissan Maxima and a 2022 Toyota Avalon. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2022 Nissan Maxima vs Toyota Avalon Insurance Cost by Trim Level

The bar chart below shows how average Nissan Maxima insurance rates compare to average Toyota Avalon insurance rates for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Nissan Maxima and a 2022 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 29, 2022
2022 Nissan Maxima vs. 2022 Toyota Avalon Insurance Cost
2022 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,690$1,948$1,846$1,682
Toyota Avalon$3,482$1,830$1,738$1,584

The tables below detail insurance rates for all trim levels of 2022 Maxima and Avalon models. The 2022 Nissan Maxima has an average insurance cost of $1,846 and the 2022 Toyota Avalon is $1,738, making the Toyota Avalon cheaper by $108 per year.

2022 Nissan Maxima

$1,846

Insurance Rates by Trim Level for 2022 Nissan Maxima
2022 Nissan Maxima TrimsRate
SV$1,780
SR1,876
Platinum1,880
2022 Nissan Maxima Average Rate$1,846

2022 Toyota Avalon

$1,738

Insurance Rates by Trim Level for 2022 Nissan Maxima
2022 Toyota Avalon TrimsRate
XLE$1,666
XLE Hybrid1,684
XSE Hybrid Nightshade1,742
Limited1,774
Touring1,778
Limited Hybrid1,782
2022 Toyota Avalon Average Rate$1,738

2021 Nissan Maxima vs Toyota Avalon

When comparing insurance cost for 2021 models, the Nissan Maxima costs an average of $1,822 per year to insure and the Toyota Avalon costs $1,760, making the Toyota Avalon the winner by $62 for this model year.

The rate chart below visualizes the average cost to insure both 2021 models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,658 to $3,642 per year for a 2021 Nissan Maxima, and $1,604 to $3,522 for a 2021 Toyota Avalon for the age groups used in this illustration.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2021 Nissan Maxima and a 2021 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2021 Nissan Maxima vs. 2021 Toyota Avalon Insurance Cost
2021 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,642$1,918$1,822$1,658
Toyota Avalon$3,522$1,848$1,760$1,604

The 2021 Nissan Maxima has five trims available, with the cheapest trim to insure being the 3.5 S Sedan trim at an average cost of $1,748 per year, or about $146 per month. Out of the seven trims available for the Toyota Avalon, the cheapest 2021 trim level to insure is the XLE Sedan 6 Cyl Gas trim at a cost of $1,636 per year, or about $136 per month.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Toyota Avalon XLE Sedan 6 Cyl Gas at an average cost of $1,636 per year. The most expensive model and trim level is the Nissan Maxima Platinum Sedan at an average cost of $1,882 per year.

The two tables below illustrate trim level insurance rates for each 2021 model, including the average rate for each model. The cheapest model to insure for the 2021 model year is the Toyota Avalon.

2021 Nissan Maxima

$1,822

Insurance Rates by Trim Level for 2021 Nissan Maxima
2021 Nissan Maxima TrimsRate
3.5 S Sedan$1,748
3.5 SL Sedan1,798
3.5 SV Sedan1,798
3.5 SR Sedan1,882
Platinum Sedan1,882
2021 Nissan Maxima Average Rate$1,822

2021 Toyota Avalon

$1,760

Insurance Rates by Trim Level for 2021 Nissan Maxima
2021 Toyota Avalon TrimsRate
XLE Sedan 6 Cyl Gas$1,636
Limited Sedan 6 Cyl Gas1,734
Touring Sedan 6 Cyl Gas1,734
XSE Sedan 6 Cyl Gas1,748
Hybrid XLE Sedan HEV1,784
Hybrid Limited Sedan HEV1,832
Hybrid XSE Sedan HEV1,846
2021 Toyota Avalon Average Rate$1,760

2020 Nissan Maxima vs Toyota Avalon

For 2020 Nissan Maxima and Toyota Avalon models, the Toyota Avalon is cheaper to insure by an average of $62 per year.

The chart shown below demonstrates the average cost to insure both models with different driver age groups. Average insurance cost ranges from $1,636 to $3,596 per year for a 2020 Nissan Maxima, and $1,584 to $3,480 for a 2020 Toyota Avalon for the example age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Nissan Maxima and a 2020 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2020 Nissan Maxima vs. 2020 Toyota Avalon Insurance Cost
2020 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,596$1,892$1,796$1,636
Toyota Avalon$3,480$1,822$1,734$1,584

For the five trims available for the 2020 Nissan Maxima, the cheapest model to insure is the 3.5 S Sedan model at an average cost of $1,724 per year, or around $144 per month. The 2020 Toyota Avalon has seven trim levels available, with the cheapest model to insure being the XLE Sedan 6 Cyl Gas model at an average cost of $1,614 per year.

When comparing rates by trim level for both models, the cheapest model and trim level to insure is the Toyota Avalon XLE Sedan 6 Cyl Gas at an average cost of $1,614 per year, and the most expensive trim is the Nissan Maxima Platinum Sedan at an average cost of $1,856 per year.

The next tables show trim level insurance rates for each 2020 model, including an overall average rate. The 2020 Toyota Avalon defeats the 2020 Nissan Maxima for cheapest auto insurance rates.

2020 Nissan Maxima

$1,796

Insurance Rates by Trim Level for 2020 Nissan Maxima
2020 Nissan Maxima TrimsRate
3.5 S Sedan$1,724
3.5 SL Sedan1,772
3.5 SV Sedan1,772
3.5 SR Sedan1,856
Platinum Sedan1,856
2020 Nissan Maxima Average Rate$1,796

2020 Toyota Avalon

$1,734

Insurance Rates by Trim Level for 2020 Nissan Maxima
2020 Toyota Avalon TrimsRate
XLE Sedan 6 Cyl Gas$1,614
Limited Sedan 6 Cyl Gas1,710
Touring Sedan 6 Cyl Gas1,710
XSE Sedan 6 Cyl Gas1,724
Hybrid XLE Sedan HEV1,758
Hybrid Limited Sedan HEV1,806
Hybrid XSE Sedan HEV1,822
2020 Toyota Avalon Average Rate$1,734

2019 Nissan Maxima vs Toyota Avalon

When comparing insurance cost for the 2019 Nissan Maxima and Toyota Avalon models, the Toyota Avalon is cheaper by an average of $192 per year for this model year.

The chart below demonstrates the average cost to insure both 2019 models rated for a variety of different driver ages. For a 2019 Nissan Maxima, average car insurance cost ranges from $1,614 to $3,546 per year for the driver ages used. A 2019 Toyota Avalon costs from $1,442 to $3,158 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Nissan Maxima and a 2019 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2019 Nissan Maxima vs. 2019 Toyota Avalon Insurance Cost
2019 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,546$1,862$1,770$1,614
Toyota Avalon$3,158$1,660$1,578$1,442

Out of five Nissan Maxima trims, the cheapest 2019 model to insure is the 3.5 S Sedan model at an average cost of $1,728 per year.

For the seven trim levels available for the Toyota Avalon, the cheapest 2019 model to insure is the XLE Sedan model at a cost of $1,478.

When rates for all 12 trim levels for the 2019 model year of both models are compared, the cheapest model and trim level to insure is the Toyota Avalon XLE Sedan at an average of $1,478 per year, and the most expensive model and trim level is the Nissan Maxima Platinum Sedan at an average cost of $1,852 per year.

The rate tables below display the average cost to insure all 2019 trim levels, plus the average rate for each model. The model with the cheapest overall car insurance cost for 2019 is the Toyota Avalon.

2019 Nissan Maxima

$1,770

Insurance Rates by Trim Level for 2019 Nissan Maxima
2019 Nissan Maxima TrimsRate
3.5 S Sedan$1,728
3.5 SV Sedan1,728
3.5 SL Sedan1,772
3.5 SR Sedan1,772
Platinum Sedan1,852
2019 Nissan Maxima Average Rate$1,770

2019 Toyota Avalon

$1,578

Insurance Rates by Trim Level for 2019 Nissan Maxima
2019 Toyota Avalon TrimsRate
XLE Sedan$1,478
XSE Sedan1,550
Limited Sedan1,568
Touring Sedan1,568
Hybrid XLE Sedan1,596
Hybrid Limited Sedan1,642
Hybrid XSE Sedan1,650
2019 Toyota Avalon Average Rate$1,578

2018 Nissan Maxima vs Toyota Avalon

When comparing average insurance cost for 2018 models, the Nissan Maxima costs an average of $1,722 per year to insure and the Toyota Avalon costs $1,510, making the Toyota Avalon the winner by $212 for this model year.

The chart shown below visualizes the average cost to insure both 2018 models with different ages of drivers. Insurance cost ranges from $1,572 to $3,456 per year for a 2018 Nissan Maxima, and $1,378 to $3,028 for a 2018 Toyota Avalon for the age groups used in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Nissan Maxima and a 2018 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2018 Nissan Maxima vs. 2018 Toyota Avalon Insurance Cost
2018 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,456$1,812$1,722$1,572
Toyota Avalon$3,028$1,588$1,510$1,378

Out of five Nissan Maxima trim levels, the cheapest 2018 trim to insure is the 3.5 S Sedan trim at an average cost of $1,682 per year, or around $140 per month. For the eight trims available for the Toyota Avalon, the cheapest 2018 trim to insure is the XLE Plus Sedan trim at a cost of $1,438.

When all 13 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Toyota Avalon XLE Plus Sedan at an average of $1,438 per year, and the most expensive model and trim level is the Nissan Maxima Platinum Sedan at an average of $1,802 per year.

The next two rate tables display average car insurance rates for each trim level, along with an average cost for each model. The 2018 Toyota Avalon wins out over the 2018 Nissan Maxima for the cheapest average car insurance rates.

2018 Nissan Maxima

$1,722

Insurance Rates by Trim Level for 2018 Nissan Maxima
2018 Nissan Maxima TrimsRate
3.5 S Sedan$1,682
3.5 SV Sedan1,682
3.5 SL Sedan1,726
3.5 SR Sedan1,726
Platinum Sedan1,802
2018 Nissan Maxima Average Rate$1,722

2018 Toyota Avalon

$1,510

Insurance Rates by Trim Level for 2018 Nissan Maxima
2018 Toyota Avalon TrimsRate
XLE Plus Sedan$1,438
XLE Sedan1,438
XLE Premium Sedan1,482
Touring Sedan1,496
Limited Sedan1,526
Hybrid XLE Plus Sedan1,552
Hybrid XLE Premium Sedan1,552
Hybrid Limited Sedan1,596
2018 Toyota Avalon Average Rate$1,510

2017 Nissan Maxima vs Toyota Avalon

When comparing car insurance rates for the 2017 Nissan Maxima and Toyota Avalon models, the Toyota Avalon has cheaper rates by an average of $184 per year for this comparison year.

The chart below visualizes the average cost to insure the two models with different driver age groups. For a 2017 Nissan Maxima, insurance cost ranges from $1,490 to $3,270 per year for the age groups used in this illustration. A 2017 Toyota Avalon costs from $1,324 to $2,902 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Nissan Maxima and a 2017 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2017 Nissan Maxima vs. 2017 Toyota Avalon Insurance Cost
2017 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,270$1,712$1,634$1,490
Toyota Avalon$2,902$1,522$1,450$1,324

Out of five trims for the 2017 Nissan Maxima, the cheapest rates are on the 3.5 S Sedan trim at a cost of $1,576 per year, or $131 per month.

The 2017 Toyota Avalon has eight trim levels available, with the cheapest model to insure being the XLE Plus Sedan model at an average cost of $1,382 per year, or about $115 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Toyota Avalon XLE Plus Sedan at a cost of $1,382 per year. The most expensive vehicle to insure is the Nissan Maxima Platinum Sedan at an average cost of $1,658 per year.

The tables shown below show both 2017 models and all trim levels available for each one, plus an average rate for each model. The cheapest to insure for the 2017 model year is the Toyota Avalon.

2017 Nissan Maxima

$1,634

Insurance Rates by Trim Level for 2017 Nissan Maxima
2017 Nissan Maxima TrimsRate
3.5 S Sedan$1,576
3.5 SV Sedan1,616
3.5 SL Sedan1,658
3.5 SR Sedan1,658
Platinum Sedan1,658
2017 Nissan Maxima Average Rate$1,634

2017 Toyota Avalon

$1,450

Insurance Rates by Trim Level for 2017 Nissan Maxima
2017 Toyota Avalon TrimsRate
XLE Plus Sedan$1,382
XLE Sedan1,382
XLE Premium Sedan1,424
Touring Sedan1,436
Limited Sedan1,466
Hybrid XLE Plus Sedan1,490
Hybrid XLE Premium Sedan1,490
Hybrid Limited Sedan1,530
2017 Toyota Avalon Average Rate$1,450

2016 Nissan Maxima vs Toyota Avalon

When comparing car insurance rates for 2016 models, a Nissan Maxima costs an average of $1,608 per year to insure and a Toyota Avalon costs $1,386, making the Toyota Avalon cheaper to insure by $222 per year for this comparison year.

The chart below illustrates the average cost to insure both 2016 models using different driver ages. Insurance cost ranges from $1,468 to $3,224 per year for a 2016 Nissan Maxima, and $1,266 to $2,770 for a 2016 Toyota Avalon for the included driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Nissan Maxima and a 2016 Toyota Avalon with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Nissan Maxima and Toyota Avalon trim levels.Data last updated on December 30, 2022
2016 Nissan Maxima vs. 2016 Toyota Avalon Insurance Cost
2016 Nissan Maxima vs. Toyota Avalon Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Nissan Maxima$3,224$1,684$1,608$1,468
Toyota Avalon$2,770$1,454$1,386$1,266

Out of five Nissan Maxima trims, the cheapest 2016 model to insure is the 3.5 S Sedan trim at an average cost of $1,552 per year.

The 2016 Toyota Avalon has eight trim levels available, with the cheapest trim to insure being the XLE Sedan trim at an average cost of $1,228 per year.

When rates for all 13 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Toyota Avalon XLE Sedan at an average rate of $1,228 per year, and the most expensive vehicle to insure is the Nissan Maxima Platinum Sedan at an average of $1,630 per year.

The next two rate tables illustrate average car insurance cost by trim level for a 2016 Nissan Maxima and Toyota Avalon, along with the average rate for each model. The cheapest of the two models to insure for the 2016 model year is the Toyota Avalon.

2016 Nissan Maxima

$1,608

Insurance Rates by Trim Level for 2016 Nissan Maxima
2016 Nissan Maxima TrimsRate
3.5 S Sedan$1,552
3.5 SV Sedan1,592
3.5 SL Sedan1,630
3.5 SR Sedan1,630
Platinum Sedan1,630
2016 Nissan Maxima Average Rate$1,608

2016 Toyota Avalon

$1,386

Insurance Rates by Trim Level for 2016 Nissan Maxima
2016 Toyota Avalon TrimsRate
XLE Sedan$1,228
XLE Plus Sedan1,266
XLE Premium Sedan1,266
XLE Touring Sedan1,306
Limited Sedan1,342
Hybrid XLE Plus Sedan1,552
Hybrid XLE Premium Sedan1,552
Hybrid Limited Sedan1,592
2016 Toyota Avalon Average Rate$1,386

Additional Nissan Maxima and Toyota Avalon Resources