Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Avalon? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Avalon facts

  • Average auto insurance premium: $150/month

  • Most affordable companies: Nationwide ($94/month) & Erie ($100/month)

  • Avalon insurance cost vs. average rate: $141 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Avalon by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Risk factors affecting Toyota Avalon rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Avalon Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2049
Allstate$1706
American Family$1563
Auto-Owners$2154
Country Financial$1953
Erie$1208
GEICO$1324
Liberty Mutual$1524
Mercury$1650
MetLife$2038
Nationwide$1125
Progressive$1289
State Farm$1369
Tennessee Farmers$1641
Travelers$1784
USAA$1189

Compare all 2021 Toyota Avalon rates

Average Cost to Insure Per Year

$1803

List Price

$35975

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited - XLE 4dr All-wheel Drive Sedan - XSE Nightshade 4dr Front-wheel Drive Sedan - Limited 4dr Front-wheel Drive Sedan - Touring 4dr Front-wheel Drive Sedan - TRD 4dr Front-wheel Drive Sedan - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1653
American Family$1512
Country Financial$1894
Erie$1169
GEICO$1302
Liberty Mutual$1467
Mercury$1605
Nationwide$1056
Progressive$1257
State Farm$1329
Tennessee Farmers$1580
Travelers$1728
USAA$1089

Compare all 2020 Toyota Avalon rates

Average Cost to Insure Per Year

$35875

List Price

$1786

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited - XLE 4dr All-wheel Drive Sedan - XSE Nightshade 4dr Front-wheel Drive Sedan - Limited 4dr Front-wheel Drive Sedan - Touring 4dr Front-wheel Drive Sedan - TRD 4dr Front-wheel Drive Sedan

2019 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1611
American Family$1488
Country Financial$1836
Erie$1101
GEICO$1257
Liberty Mutual$1450
Mercury$1570
Nationwide$1033
Progressive$1234
State Farm$1311
Tennessee Farmers$1563
Travelers$1716
USAA$1045

Compare all 2019 Toyota Avalon rates

Average Cost to Insure Per Year

$1760

List Price

$35875

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited - XLE 4dr All-wheel Drive Sedan - XSE Nightshade 4dr Front-wheel Drive Sedan - Limited 4dr Front-wheel Drive Sedan - Touring 4dr Front-wheel Drive Sedan - TRD 4dr Front-wheel Drive Sedan

2018 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1230
Acuity$ 1230
Allied$ 1118
Allied$ 1118
American Family$ 1406
American Family$ 1406
Arbella$ 1401
Arbella$ 1401
Erie$ 972
Erie$ 972
GEICO$ 1335
GEICO$ 1335
Mercury$ 1430
Mercury$ 1430
Nationwide$ 1209
Nationwide$ 1209
Plymouth Rock Insurance$ 1340
Plymouth Rock Insurance$ 1340
Tennessee Farmers$ 1130
Tennessee Farmers$ 1130
USAA$ 1216
USAA$ 1216
Vermont Mutual$ 1203
Vermont Mutual$ 1203

Compare all 2018 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1682

List Price

$ 33500

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited

2017 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1220
Acuity$ 1220
Allied$ 1137
Allied$ 1137
Arbella$ 1339
Arbella$ 1339
Country$ 1309
Country$ 1309
Erie$ 959
Erie$ 959
Nationwide$ 1247
Nationwide$ 1247
Plymouth Rock Insurance$ 1301
Plymouth Rock Insurance$ 1301
Quincy Mutual$ 1160
Quincy Mutual$ 1160
Tennessee Farmers$ 1132
Tennessee Farmers$ 1132
Texas Farm Bureau$ 964
Texas Farm Bureau$ 964
USAA$ 1179
USAA$ 1179
Vermont Mutual$ 1162
Vermont Mutual$ 1162

Compare all 2017 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1305

List Price

$ 33300

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited

2016 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1148
Acuity$ 1148
Allied$ 1149
Allied$ 1149
Arbella$ 1241
Arbella$ 1241
Country$ 1222
Country$ 1222
Erie$ 888
Erie$ 888
GEICO$ 1233
GEICO$ 1233
Nationwide$ 1216
Nationwide$ 1216
Quincy Mutual$ 1131
Quincy Mutual$ 1131
Tennessee Farmers$ 1092
Tennessee Farmers$ 1092
Texas Farm Bureau$ 885
Texas Farm Bureau$ 885
USAA$ 1135
USAA$ 1135
Vermont Mutual$ 1067
Vermont Mutual$ 1067

Compare all 2016 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1307

List Price

$ 32650

Trims Available

XLE - XLE Plus - XLE Premium - Touring - Limited

2015 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1156
Acuity$ 1156
Allied$ 1153
Allied$ 1153
Erie$ 863
Erie$ 863
GEICO$ 1205
GEICO$ 1205
Nationwide$ 1230
Nationwide$ 1230
Plymouth Rock Insurance$ 1203
Plymouth Rock Insurance$ 1203
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 1194
State Farm$ 1194
Tennessee Farmers$ 1097
Tennessee Farmers$ 1097
Texas Farm Bureau$ 926
Texas Farm Bureau$ 926
USAA$ 1060
USAA$ 1060
Vermont Mutual$ 1078
Vermont Mutual$ 1078

Compare all 2015 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1268

List Price

$ 32285

Trims Available

XLE - XLE Premium - XLE Touring - XLE Touring Sport Edition - Limited

2014 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1066
Acuity$ 1066
Allied$ 1165
Allied$ 1165
Arbella$ 1215
Arbella$ 1215
Country$ 1177
Country$ 1177
Erie$ 862
Erie$ 862
GEICO$ 1227
GEICO$ 1227
Plymouth Rock Insurance$ 1184
Plymouth Rock Insurance$ 1184
Quincy Mutual$ 1079
Quincy Mutual$ 1079
Tennessee Farmers$ 1028
Tennessee Farmers$ 1028
Texas Farm Bureau$ 830
Texas Farm Bureau$ 830
USAA$ 1034
USAA$ 1034
Vermont Mutual$ 971
Vermont Mutual$ 971

Compare all 2014 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1180

List Price

$ 31590

Trims Available

XLE - XLE Premium - XLE Touring - Limited

2013 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1050
Acuity$ 1050
Allied$ 1163
Allied$ 1163
American Family$ 1224
American Family$ 1224
Arbella$ 1137
Arbella$ 1137
Erie$ 813
Erie$ 813
GEICO$ 1118
GEICO$ 1118
Plymouth Rock Insurance$ 1144
Plymouth Rock Insurance$ 1144
Quincy Mutual$ 1051
Quincy Mutual$ 1051
Tennessee Farmers$ 996
Tennessee Farmers$ 996
Texas Farm Bureau$ 795
Texas Farm Bureau$ 795
USAA$ 1018
USAA$ 1018
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2013 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1154

List Price

$ 30990

Trims Available

XLE - XLE Premium - XLE Touring - Limited

2012 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 989
Acuity$ 989
Allied$ 1080
Allied$ 1080
Arbella$ 1122
Arbella$ 1122
Erie$ 783
Erie$ 783
GEICO$ 1034
GEICO$ 1034
Plymouth Rock Insurance$ 1097
Plymouth Rock Insurance$ 1097
Quincy Mutual$ 1027
Quincy Mutual$ 1027
State Farm$ 1108
State Farm$ 1108
Tennessee Farmers$ 959
Tennessee Farmers$ 959
Texas Farm Bureau$ 769
Texas Farm Bureau$ 769
USAA$ 943
USAA$ 943
Vermont Mutual$ 849
Vermont Mutual$ 849

Compare all 2012 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1103

List Price

$ 33195

Trims Available

Base - Limited

2011 Toyota Avalon

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1056
Acuity$ 1056
Allied$ 1050
Allied$ 1050
Amica$ 1109
Amica$ 1109
Arbella$ 987
Arbella$ 987
Erie$ 759
Erie$ 759
GEICO$ 952
GEICO$ 952
Plymouth Rock Insurance$ 1075
Plymouth Rock Insurance$ 1075
Quincy Mutual$ 1002
Quincy Mutual$ 1002
Tennessee Farmers$ 928
Tennessee Farmers$ 928
Texas Farm Bureau$ 734
Texas Farm Bureau$ 734
USAA$ 917
USAA$ 917
Vermont Mutual$ 787
Vermont Mutual$ 787

Compare all 2011 Toyota Avalon rates

Average Cost to Insure Per Year

$ 1076

List Price

$ 33195

Trims Available

Base - Limited