- Toyota Avalon car insurance costs $1,738 per year ($145 per month) for a full coverage policy.
- The cheapest Toyota Avalon insurance is on the XLE trim level costing an average of $1,666 per year to insure.
- At the high end, the Avalon Limited Hybrid is the most expensive to insure at $1,782 for an annual policy.
- Out of four vehicles in the large car segment, the Avalon ranks first for insurance affordability.
- Eliminating physical damage insurance coverage on an an older Avalon may save you $730 per year, depending on the prior deductible level and the driver age.
How much does Toyota Avalon car insurance cost?
Toyota Avalon car insurance rates average $1,738 per year for a full coverage insurance policy. Depending on the trim level being insured, monthly car insurance cost ranges from $139 to $149.
When split out by coverage type, collision coverage for an Avalon is approximately $782 a year, liability and medical payments insurance will cost an estimated $570, and the remaining comprehensive (or other-than-collision) coverage will cost around $386.
The following chart shows how Toyota Avalon insurance changes with different driver ages and insurance policy deductibles. The costs shown are per year, and range from the cheapest rate of $1,322 per year for a 60-year-old driver with deductibles of $1,000 to the highest policy cost of $4,032 each year for a driver age 20 with a deductible of $250.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
To help readers grasp the immensity of the range of insurance rates, keep in mind that buying a liability-only policy on an older Avalon in some parts of Virginia or Ohio may be as low as $217 a year.
For a 2022 Toyota Avalon, a 16-year-old male driver with an accident and a violation in urban Detroit, Michigan, may be required to pay as much as $20,100 a year for a full coverage policy.
What is the cheapest Toyota Avalon insurance?
With Toyota Avalon insurance rates ranging from $1,666 to $1,782 annually on average, the cheapest Avalon to insure is the XLE. The second cheapest model to insure is the XLE Hybrid at $1,684 per year. Expect to pay around $139 per month for full coverage insurance on a new Avalon.
The least budget-friendly models of Toyota Avalon to insure are the Limited Hybrid at $1,782 and the Touring at $1,778 per year. Those trim levels will cost an extra $116 and $112 per year, respectively, over the cheapest XLE model.
In most instances, as the MSRP expands with added packages and options, the cost to insure the Avalon trends upward as well. The table below shows average annual and semi-annual auto insurance policy costs, plus a monthly rate, for each 2022 Toyota Avalon model package and trim level.
|Toyota Avalon Trim Level||Annual Policy||Six-Month Policy||Per Month|
|XSE Hybrid Nightshade||$1,742||$871||$145|
Do other large cars cost less to insure?
The Toyota Avalon ranks first out of four total vehicles in the large car category for car insurance affordability. The Avalon costs an estimated $1,738 per year for full coverage insurance and the segment average cost is $1,913 annually, a difference of $175 per year.
When compared to other large sedans, car insurance for a Toyota Avalon costs $558 less per year than the Dodge Charger, $108 less than the Nissan Maxima, and $34 less than the Chrysler 300.
The table below shows how insurance cost for a 2022 Toyota Avalon compares to what’s left of the large car segment.
How much is insurance on a used Avalon?
Choosing to insure a used Toyota Avalon could save as much as $508 each year, depending on the policy coverages. New vehicles have higher replacement value which means they cost more to replace if they are totaled, and older vehicles get depreciated and are worth less money.
The following data illustrates average car insurance rates for a Toyota Avalon for the 2013 to 2022 model years. In this example, insurance costs range from the cheapest yearly cost of $1,230 for a 2013 Toyota Avalon to a maximum of $1,738 for a 2022 Avalon.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2022 Toyota Avalon||$1,738||$869||$145|
|2021 Toyota Avalon||$1,760||$880||$147|
|2020 Toyota Avalon||$1,734||$867||$145|
|2019 Toyota Avalon||$1,578||$789||$132|
|2018 Toyota Avalon||$1,510||$755||$126|
|2017 Toyota Avalon||$1,450||$725||$121|
|2016 Toyota Avalon||$1,386||$693||$116|
|2015 Toyota Avalon||$1,194||$597||$100|
|2014 Toyota Avalon||$1,368||$684||$114|
|2013 Toyota Avalon||$1,230||$615||$103|
At some point, owners have to decide whether to drop the physical damage coverages from an insurance policy. As vehicles age and depreciate, the extra cost of physical damage protection outweighs any benefits of having full coverage.
Dropping full coverage on an older Toyota Avalon may save $730 per year, depending on where the physical damage deductibles were set and the age of the driver.