Toyota Avalon Car Insurance Rates for 2023

Is Toyota Avalon car insurance expensive? We compared the average insurance cost from the XLE trim to the Limited Hybrid model to discover how the Avalon compares to similar vehicles.

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How much does Toyota Avalon car insurance cost?

Toyota Avalon car insurance rates average $1,786 per year for a full coverage insurance policy. Depending on the trim level being insured, monthly car insurance cost ranges from $143 to $153.

When split out by coverage type, collision coverage for an Avalon is approximately $802 a year, liability and medical payments insurance will cost an estimated $588, and the remaining comprehensive (or other-than-collision) coverage will cost around $396.

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 $1,356 per year for a 60-year-old driver with deductibles of $1,000 to the highest policy cost of $4,136 each year for a driver age 20 with a deductible of $250.

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Chart Data Details: Chart shows average insurance cost for a 2022 Toyota Avalon with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Avalon trim levels.Data last updated on August 12, 2023
Toyota Avalon Car Insurance Rates
2022 Toyota Avalon Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,038$253
$500$3,572$298
$250$4,136$345
30$1,000$1,578$132
$500$1,874$156
$250$2,186$182
40$1,000$1,514$126
$500$1,786$149
$250$2,070$173
50$1,000$1,384$115
$500$1,630$136
$250$1,886$157
60$1,000$1,356$113
$500$1,598$133
$250$1,850$154

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 $20,224 a year for a full coverage policy.

What is the cheapest Toyota Avalon insurance?

With Toyota Avalon insurance rates ranging from $1,714 to $1,834 annually on average, the cheapest Avalon to insure is the XLE. The second cheapest model to insure is the XLE Hybrid at $1,732 per year. Expect to pay around $143 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 $1,834 and the Touring at $1,828 per year. Those trim levels will cost an extra $120 and $114 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.

2022 Toyota Avalon Insurance Cost by Trim Level
Toyota Avalon Trim Level Annual Policy Six-Month Policy Per Month
XLE$1,714$857$143
XLE Hybrid$1,732$866$144
XSE Hybrid Nightshade$1,790$895$149
Limited$1,822$911$152
Touring$1,828$914$152
Limited Hybrid$1,834$917$153

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Avalon, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Toyota Avalon Insurance Cost by Trim Level

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 $1,786 per year for full coverage insurance and the segment average cost is $1,966 annually, a difference of $180 per year.

When compared to other large sedans, car insurance for a Toyota Avalon costs $570 less per year than the Dodge Charger, $112 less than the Nissan Maxima, and $36 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.

Insurance Cost Comparison: Toyota Avalon vs Large Cars
Rank Make/Model Insurance Cost Difference
1Toyota Avalon$1,786--
2Chrysler 300$1,822$36
3Nissan Maxima$1,898$112
4Dodge Charger$2,356$570

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2022 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 11, 2023
Insurance Cost Comparison: Toyota Avalon vs Large Cars

How much is insurance on a used Avalon?

Choosing to insure a used Toyota Avalon could save as much as $524 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 $1,262 for a 2013 Toyota Avalon to a maximum of $1,786 for a 2022 Avalon.

Toyota Avalon Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Toyota Avalon$1,786$893$149
2021 Toyota Avalon$1,804$902$150
2020 Toyota Avalon$1,782$891$149
2019 Toyota Avalon$1,620$810$135
2018 Toyota Avalon$1,550$775$129
2017 Toyota Avalon$1,486$743$124
2016 Toyota Avalon$1,424$712$119
2015 Toyota Avalon$1,228$614$102
2014 Toyota Avalon$1,404$702$117
2013 Toyota Avalon$1,262$631$105

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Toyota Avalon Insurance Cost by Model Year

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 $750 per year, depending on where the physical damage deductibles were set and the age of the driver.