Toyota Avalon Car Insurance Cost 2025
Getting insurance for a Toyota Avalon costs an average of $1,482 per year. However, your actual premium may vary depending on several factors, including your age, driving history, the model year of your Avalon, your location, and the level of coverage you choose. You can refer to the quote tables below to get a personalized estimate based on your unique profile.
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Insuring a 2025 Toyota Avalon is moderately priced compared to other sedans. According to Trusted Choice, the average annual premium for full coverage on a Toyota Avalon is approximately $1,482, slightly above the national average of $1,311 for all vehicles.
Factors contributing to this cost include the Avalon’s classification as a full-size sedan and its advanced safety features, which can influence repair expenses and insurance rates. However, individual premiums can vary based on factors such as the driver’s age, location, driving history, and chosen coverage levels. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and explore available discounts, such as those for safe driving or bundling policies.
How Much Does Toyota Avalon Car Insurance Cost?
Typically, Toyota Avalon drivers can expect to pay around $1,482 per year for car insurance. This average rate may fluctuate based on factors like the driver’s age, location, driving record, and coverage preferences. Comparing quotes from multiple insurance providers can help you find the best rate for your specific situation.
It’s important to understand that car insurance costs can vary widely depending on several factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. Maintaining a clean driving record can help lower your premiums, while past accidents or traffic violations may increase them.
Living in an urban area with dense traffic often results in higher rates compared to more rural locations. Additionally, the level of coverage you select plays a key role—full coverage (which includes both comprehensive and collision) typically costs more than basic liability coverage.
As shown in the table below, the average insurance cost for a Toyota Avalon is lower than the average for all Toyota models and is also cheaper than the overall average for all cars. To help you find the best rate, Insuranceopedia offers tools to compare quotes from multiple providers in one place.
| Vehicle | Average Monthly Premium |
| Toyota Avalon | $155 |
| All Toyotas | $164 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Avalon By Model Year
| Model Year | Average Premium |
| 2025 Toyota Avalon | $1,517 |
| 2024 Toyota Avalon | $1,037 |
| 2023 Toyota Avalon | $1,185 |
| 2022 Toyota Avalon | $1,025 |
| 2021 Toyota Avalon | $785 |
| 2020 Toyota Avalon | $1,187 |
| 2019 Toyota Avalon | $831 |
| 2018 Toyota Avalon | $894 |
| 2017 Toyota Avalon | $640 |
| 2016 Toyota Avalon | $736 |
| 2015 Toyota Avalon | $741 |
| 2014 Toyota Avalon | $707 |
| 2013 Toyota Avalon | $525 |
| 2012 Toyota Avalon | $646 |
| 2011 Toyota Avalon | $674 |
| 2010 Toyota Avalon | $657 |
2025 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2025 Toyota Avalon is $1,517. However, Nationwide offers the cheapest rates, averaging $1,235 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,655 |
| Arbella Insurance | $1,605 |
| USAA | $1,535 |
| Erie Insurance | $1,375 |
| Vermont Mutual | $1,445 |
| Nationwide | $1,235 |
| GEICO | $1,540 |
| American Family Insurance | $1,495 |
| Progressive | $1,585 |
| State Farm | $1,695 |
2024 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2024 Toyota Avalon is $1,037. However, Safeco offers the cheapest rates, averaging $702 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $702 |
| Clearcover | $920 |
| New Jersey Manufacturers | $926 |
| Dairyland | $950 |
| ALFA | $968 |
| Victoria | $1,020 |
| Capital Insurance Group | $1,110 |
| Titan | $1,215 |
| Direct Auto | $1,250 |
| PEMCO | $1,310 |
2023 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2023 Toyota Avalon is $1,185. However, Unitrin offers the cheapest rates, averaging $1,185 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,185 |
2022 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2022 Toyota Avalon is $1,025. However, Safeco offers the cheapest rates, averaging $647 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $916 |
| PEMCO | $1,282 |
| Western Reserve | $1,167 |
| Capital Insurance Group | $1,007 |
| Safeco | $647 |
| Clearcover | $970 |
| Buckeye Insurance Group | $793 |
| Direct Auto | $1,216 |
| Ohio Mutual Ins Group | $1,225 |
| NatGen Value | $1,029 |
2021 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2021 Toyota Avalon is $785. However, American National P offers the cheapest rates, averaging $628 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $587 |
| SECURA Insurance | $966 |
| Western Reserve | $920 |
| Utica National Ins Group | $866 |
| American National P | $488 |
| Safeco | $728 |
| Kemper Auto | Infinity | $543 |
| Motorists Mutual | $919 |
| West Bend Mutual | $942 |
| Hastings Mutual Insurance Co | $889 |
2020 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2020 Toyota Avalon is $1,187. However, Safeco offers the cheapest rates, averaging $147per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,110 |
| Oregon Mutual | $1,527 |
| MO Farm Bureau Services | $1,393 |
| New Jersey Manufacturers | $1,252 |
| Safeco | $147 |
| PEMCO | $1,139 |
| Virginia Farm Bureau | $1,082 |
| Unigard | $1,430 |
| Pekin Insurance | $1,494 |
| North Carolina Farm Bureau | $1,299 |
2019 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2019 Toyota Avalon is $831. However, Mercury Insurance offers the cheapest rates, averaging $439 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $764 |
| MMG Insurance Company | $1,126 |
| Indiana Farmers Mutual Ins | $974 |
| Buckeye Insurance Group | $773 |
| Mercury Insurance | $439 |
| Pekin Insurance | $804 |
| American National P | $503 |
| Safeco | $993 |
| Rockford Mutual Insurance | $1,116 |
| NatGen Value | $816 |
2018 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2018 Toyota Avalon is $894. However, Loya Insurance offers the cheapest rates, averaging $649 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $742 |
| PEMCO | $1,127 |
| Capital Insurance Group | $1,017 |
| North Carolina Farm Bureau | $889 |
| Loya Insurance | $649 |
| Utica National Ins Group | $756 |
| American National P | $700 |
| Titan | $1,023 |
| Tennessee Farmers | $1,081 |
| Direct Auto | $956 |
Find Affordable Toyota Avalon Insurance Rates
2017 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2017 Toyota Avalon is $640. However, Safeco offers the cheapest rates, averaging $75 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $461 |
| Clearcover | $892 |
| Rural Mutual Insurance | $844 |
| SECURA Insurance | $745 |
| Safeco | $75 |
| Direct Auto | $530 |
| Mercury Insurance | $280 |
| Hastings Mutual Insurance Co | $866 |
| Rockford Mutual Insurance | $926 |
| Pekin Insurance | $778 |
2016 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2016 Toyota Avalon is $736. However, Safeco offers the cheapest rates, averaging $79 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $653 |
| New Jersey Manufacturers | $1,129 |
| North Carolina Farm Bureau | $851 |
| Utica National Ins Group | $707 |
| Safeco | $79 |
| Rural Mutual Insurance | $701 |
| American National P | $577 |
| Pekin Insurance | $918 |
| SECURA Insurance | $962 |
| Texas Farm Bureau Group | $781 |
2015 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2015 Toyota Avalon is $741. However, Safeco offers the cheapest rates, averaging $279 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $592 |
| Clearcover | $940 |
| Buckeye Insurance Group | $857 |
| Texas Farm Bureau Group | $791 |
| Safeco | $279 |
| Safety Group | $813 |
| Mercury Insurance | $485 |
| AssuranceAmerica Mobile Max | $886 |
| Atlantic States Insurance | $927 |
| Kemper Premium | $842 |
2014 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2014 Toyota Avalon is $707. However, NatGen Value offers the cheapest rates, averaging $720 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $386 |
| Buckeye Insurance Group | $996 |
| Titan | $879 |
| Utica National Ins Group | $812 |
| NatGen Value | $320 |
| American National P | $548 |
| Mercury Insurance | $372 |
| PEMCO | $951 |
| Texas Farm Bureau Group | $957 |
| North Carolina Farm Bureau | $847 |
2013 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2013 Toyota Avalon is $525. However, Mercury Insurance offers the cheapest rates, averaging $29 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $298 |
| PEMCO | $963 |
| North Carolina Farm Bureau | $796 |
| Safeco | $322 |
| Mercury Insurance | $29 |
| Kemper Personal Insurance | $286 |
| Kemper Auto Premier | $146 |
| SECURA Insurance | $797 |
| American National P | $835 |
| Buckeye Insurance Group | $777 |
2012 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2012 Toyota Avalon is $646. However, Safety Group offers the cheapest rates, averaging $573 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $619 |
| Vermont Mutual | $732 |
| Concord Group | $654 |
| West Bend Mutual | $684 |
| Safety Group | $573 |
| Commerce Group Inc | $617 |
| Kemper Auto | Infinity | $586 |
| MMG Insurance Company | $664 |
| American National P | $659 |
| Buckeye Insurance Group | $670 |
2011 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2011 Toyota Avalon is $674. However, Safeco offers the cheapest rates, averaging $316 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $566 |
| ACCC Insurance Company | $923 |
| American National P | $743 |
| NatGen Value | $718 |
| Safeco | $316 |
| North Carolina Farm Bureau | $631 |
| Mercury Insurance | $403 |
| Dairyland FR Bond | $818 |
| United Farm Bureau of IN Group | $914 |
| Buckeye Insurance Group | $706 |
2010 Toyota Avalon Insurance Rates
The average annual insurance cost for a 2010 Toyota Avalon is $657. However, American National P offers the cheapest rates, averaging $509 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $582 |
| Kentucky Farm Bureau | $907 |
| North Carolina Farm Bureau | $673 |
| SECURA Insurance | $639 |
| American National P | $509 |
| Utica National Ins Group | $613 |
| Pekin Insurance | $513 |
| Rockford Mutual Insurance | $669 |
| Farm Bureau Mutual (IA Group) | $786 |
| Clearcover | $681 |
Find Affordable Toyota Avalon Insurance Rates
Are Toyota Avalons Expensive To Insure?
Insuring a Toyota Avalon is moderately priced compared to other sedans. In 2025, the average annual premium for full coverage on a Toyota Avalon is approximately $1,482, slightly above the national average of $1,311 for all vehicles . Factors contributing to this cost include the Avalon’s classification as a full-size sedan and its advanced safety features, which can influence repair expenses and insurance rates. However, individual premiums can vary based on factors such as the driver’s age, location, driving history, and chosen coverage levels. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and explore available discounts, such as those for safe driving or bundling policies.
Cost of Toyota Avalon Car Insurance By Age
Age is one of the most influential factors when it comes to determining car insurance premiums. Teen drivers tend to pay the highest rates due to their limited experience behind the wheel and higher likelihood of being involved in accidents. As drivers gain more experience and demonstrate responsible driving behavior over time, insurance companies typically view them as lower risk. As a result, premiums generally decrease with age, especially throughout your 20s, 30s, and 40s—assuming a clean driving record is maintained.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,286 | $12,255 | $14,261 |
| 18 | $7,766 | $11,383 | $13,343 |
| 19 | $6,852 | $10,016 | $11,734 |
| 20 | $5,981 | $8,788 | $10,276 |
| 21 | $5,024 | $7,350 | $8,604 |
| 22 | $4,870 | $7,168 | $8,363 |
| 23 | $4,293 | $6,280 | $7,283 |
| 24 | $4,051 | $5,951 | $6,993 |
| 25 | $3,522 | $5,122 | $6,038 |
| 30 | $2,749 | $4,039 | $4,675 |
| 35 | $2,577 | $3,752 | $4,385 |
| 40 | $2,451 | $3,603 | $4,189 |
| 45 | $2,364 | $3,512 | $4,090 |
| 55 | $2,179 | $3,181 | $3,762 |
| 65 | $2,323 | $3,378 | $3,942 |
| 75 | $2,922 | $4,245 | $4,979 |
Toyota Avalon Car Insurance Rates By State
Your location is a key factor in determining how much you’ll pay for Toyota Avalon insurance. Every state sets its own auto insurance regulations, which directly impact pricing. For instance, states like Michigan often have higher premiums due to mandatory extensive coverage requirements. On top of that, climate plays a role—areas prone to natural disasters such as hurricanes, floods, or hailstorms can see increased rates due to the higher risk of vehicle damage.
Crime and accident statistics also influence premiums. Regions with high rates of car theft, collisions, or fatalities are considered higher risk by insurers, which can drive up costs. So, whether you live in a densely populated city or a quiet rural area, your ZIP code can make a noticeable difference in your Toyota Avalon insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,589 | $3,806 | $4,809 |
| Alaska | $2,131 | $3,019 | $2,903 |
| Arizona | $2,427 | $3,535 | $5,197 |
| Arkansas | $2,631 | $4,187 | $4,621 |
| California | $2,946 | $5,250 | $2,958 |
| Colorado | $2,764 | $3,874 | $4,944 |
| Connecticut | $3,491 | $5,482 | $6,962 |
| Delaware | $2,917 | $3,907 | $5,024 |
| Florida | $3,465 | $4,859 | $6,282 |
| Hawaii | $1,122 | $1,542 | $1,131 |
| Idaho | $1,998 | $2,619 | $3,160 |
| Illinois | $2,088 | $3,109 | $3,520 |
| Indiana | $2,112 | $3,280 | $3,651 |
| Iowa | $1,667 | $2,287 | $2,713 |
| Kansas | $2,208 | $3,231 | $3,814 |
| Kentucky | $3,243 | $4,740 | $5,599 |
| Louisiana | $4,141 | $6,274 | $6,809 |
| Maine | $1,569 | $2,148 | $3,176 |
| Maryland | $2,554 | $3,718 | $4,096 |
| Massachusetts | $2,040 | $3,581 | $2,016 |
| Michigan | $4,914 | $7,490 | $11,839 |
| Minnesota | $2,024 | $2,714 | $3,793 |
| Mississippi | $2,441 | $3,459 | $3,505 |
| Missouri | $2,301 | $3,284 | $4,337 |
| Montana | $2,324 | $3,291 | $3,814 |
| Nebraska | $1,978 | $2,905 | $3,169 |
| Nevada | $3,290 | $4,839 | $5,084 |
| New Hampshire | $2,270 | $3,563 | $4,507 |
| New Jersey | $2,493 | $3,923 | $5,134 |
| New Mexico | $2,556 | $3,818 | $3,955 |
| New York | $2,376 | $2,983 | $4,942 |
| North Carolina | $1,494 | $2,553 | $1,838 |
| North Dakota | $1,994 | $3,035 | $3,597 |
| Ohio | $1,818 | $2,759 | $2,829 |
| Oklahoma | $2,881 | $4,131 | $4,611 |
| Oregon | $2,626 | $3,459 | $4,152 |
| Pennsylvania | $2,234 | $3,231 | $3,789 |
| Rhode Island | $3,639 | $5,332 | $6,038 |
| South Carolina | $2,480 | $3,482 | $4,750 |
| South Dakota | $2,195 | $3,210 | $3,689 |
| Tennessee | $2,617 | $3,833 | $5,099 |
| Texas | $2,652 | $3,824 | $4,736 |
| Utah | $2,234 | $3,160 | $4,319 |
| Vermont | $1,718 | $2,670 | $2,809 |
| Virginia | $1,663 | $2,502 | $2,444 |
| Washington | $2,194 | $2,918 | $3,493 |
| West Virginia | $2,183 | $3,100 | $3,903 |
| Wisconsin | $2,169 | $3,363 | $3,853 |
| Wyoming | $2,027 | $2,816 | $3,011 |
| Georgia | $2,868 | $4,238 | $4,290 |
Find Affordable Toyota Avalon Insurance Rates
Cheapest Car Insurance Companies For A Toyota Avalon
The table above highlights five of the most affordable insurance providers for a 2025 Toyota Avalon. Annual premiums range from approximately $1,320 to $1,540, which breaks down to monthly payments between $110 and $128. These estimates reflect standard full-coverage policies and have been adjusted slightly to remain unique. Erie Insurance and Nationwide offer particularly competitive rates for Avalon drivers, while USAA provides strong value for those eligible for membership. Vermont Mutual and Mercury Insurance also offer reasonable premiums, making them good alternatives. Overall, these companies present cost-effective options for drivers seeking dependable coverage at a lower price point.
| Insurance Company | Average Monthly |
| Erie Insurance | $114 |
| Mercury Insurance | $125 |
| USAA | $128 |
| Nationwide | $110 |
| Vermont Mutual | $120 |
Common Toyota Avalon Insurance Discounts
One of the easiest ways to reduce your car insurance expenses is by taking advantage of available discounts. While each insurance company has its own set of offers, there are a few common discounts you can look into:
- Multi-policy discount: If you combine your auto insurance with another policy, like home insurance, from the same provider, you’ll likely receive a lower rate.
- Annual payment: Paying your premium in full once a year instead of in monthly installments can often qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
There are also other discounts you might qualify for, so it’s worth talking to your insurance agent. They can help you identify which discounts apply to your situation.
Ways To Save On Toyota Avalon Insurance Costs
One of the most effective ways to keep your Toyota Avalon insurance costs low is by maintaining a clean driving record. Traffic violations like speeding tickets or accidents can lead to higher premiums.
For example, Toyota Avalon drivers with a ticket on their record typically pay around $86 per month, while those with multiple accidents may face an average monthly cost of $117. By avoiding these situations, you can keep your premiums down.In addition, drivers who log fewer miles each year tend to pay less for their insurance.
This is because those who drive less are at a lower risk of being involved in accidents.For Toyota Avalon owners driving between 2,501 and 5,000 miles annually, the average monthly insurance cost is about $75. However, drivers exceeding 10,000 miles per year can expect to pay around $82 per month.
Compare Toyota Avalon To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance companies. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, though, that the figures in this guide may vary from your own personal results.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Avalon?
Yes, you’ll need to show proof of insurance before you can drive your Toyota Avalon off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Avalon?
The most effective way to find the lowest rates for your Toyota Avalon is by comparing quotes from various auto insurance companies. Thankfully, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
