Toyota Avalon Car Insurance Rates for 2022

Is Toyota Avalon car insurance expensive? We analyze rates from the XLE trim up to the Limited Hybrid to see how the cost of insuring an Avalon compares to other large sedans.

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

How much does Toyota Avalon car insurance cost?

Toyota Avalon car insurance rates average $1,600 per year for a full coverage insurance policy. Depending on the trim level being insured, monthly car insurance cost ranges from $128 to $137.

When split out by coverage type, collision coverage for an Avalon is approximately $726 a year, liability and medical payments insurance will cost an estimated $510, and the remaining comprehensive (or other-than-collision) coverage will cost around $364.

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 $1,212 per year for a 60-year-old driver with deductibles of $1,000 to the highest policy cost of $3,714 each year for a driver age 20 with a deductible of $250.

Get Rates in Your AreaWhy is this important?

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 September 8, 2022
Toyota Avalon Car Insurance Rates
Toyota Avalon Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,714$226
$500$3,200$267
$250$3,714$310
30$1,000$1,418$118
$500$1,686$141
$250$1,968$164
40$1,000$1,352$113
$500$1,600$133
$250$1,858$155
50$1,000$1,234$103
$500$1,458$122
$250$1,692$141
60$1,000$1,212$101
$500$1,432$119
$250$1,662$139

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 $30,908 a year for a full coverage policy.

What is the cheapest Toyota Avalon insurance?

With Toyota Avalon insurance rates ranging from $1,532 to $1,642 annually on average, the cheapest Avalon to insure is the XLE. The second cheapest model to insure is the XLE Hybrid at $1,550 per year. Expect to pay around $128 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 $1,642 and the Touring at $1,636 per year. Those trim levels will cost an extra $110 and $104 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 6-month Policy Per Month
XLE$1,532$766$128
XLE Hybrid$1,550$775$129
XSE Hybrid Nightshade$1,604$802$134
Limited$1,634$817$136
Touring$1,636$818$136
Limited Hybrid$1,642$821$137

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 September 8, 2022
Toyota Avalon Insurance Cost by Trim Level

Do other large cars cost less to insure?

The Toyota Avalon ranks #1 out of four total vehicles in the large car category for car insurance affordability. The Avalon costs an estimated $1,600 per year for full coverage insurance and the segment average cost is $1,762 annually, a difference of $162 per year.

When compared to other large sedans, car insurance for a Toyota Avalon costs $516 less per year than the Dodge Charger, $100 less than the Nissan Maxima, and $32 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$1,600--
2Chrysler 300$1,632$32
3Nissan Maxima$1,700$100
4Dodge Charger$2,116$516

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
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 $452 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 $1,148 for a 2013 Toyota Avalon to a maximum of $1,600 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$1,600$800$133
2021 Toyota Avalon$1,612$806$134
2020 Toyota Avalon$1,582$791$132
2019 Toyota Avalon$1,458$729$122
2018 Toyota Avalon$1,398$699$117
2017 Toyota Avalon$1,360$680$113
2016 Toyota Avalon$1,292$646$108
2015 Toyota Avalon$1,138$569$95
2014 Toyota Avalon$1,286$643$107
2013 Toyota Avalon$1,148$574$96

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 September 8, 2022
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 $694 per year, depending on where the physical damage deductibles were set and the age of the driver.