Chrysler 300 vs Toyota Avalon Insurance Cost

The Toyota Avalon is cheaper to insure by about $60 a year for full coverage by our estimate ($1,500 vs. $1,440), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Chrysler 300	Toyota Avalon	Difference
State minimum	$615	$595	+$20
Standard (100/300/100)	$890	$865	+$25
Full coverage	$1,500	$1,440	+$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 300 minus Avalon.

Why one costs more to insure

Factor	Chrysler 300	Toyota Avalon
Segment	Full-size car	Full-size car
Powertrains	Gasoline, Flex-fuel	Gasoline, Hybrid
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	4★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	5	4

300 vs Avalon insurance by state

State	300	Avalon	Difference
Alabama	$1,295	$1,245	+$50
Alaska	$1,310	$1,255	+$55
Arizona	$1,575	$1,510	+$65
Arkansas	$1,310	$1,250	+$60
California	$1,460	$1,400	+$60
Colorado	$1,695	$1,625	+$70
Connecticut	$1,600	$1,540	+$60
Delaware	$1,690	$1,625	+$65
District of Columbia	$1,885	$1,810	+$75
Florida	$2,170	$2,090	+$80
Georgia	$1,875	$1,800	+$75
Hawaii	$1,030	$985	+$45
Idaho	$1,015	$975	+$40
Illinois	$1,295	$1,240	+$55
Indiana	$1,060	$1,020	+$40
Iowa	$1,005	$960	+$45
Kansas	$1,185	$1,135	+$50
Kentucky	$1,265	$1,215	+$50
Louisiana	$2,080	$1,995	+$85
Maine	$950	$910	+$40
Maryland	$1,690	$1,620	+$70
Massachusetts	$1,470	$1,415	+$55
Michigan	$1,630	$1,560	+$70
Minnesota	$1,245	$1,190	+$55
Mississippi	$1,425	$1,365	+$60
Missouri	$1,355	$1,300	+$55
Montana	$1,185	$1,130	+$55
Nebraska	$1,190	$1,135	+$55
Nevada	$1,745	$1,680	+$65
New Hampshire	$1,060	$1,020	+$40
New Jersey	$1,825	$1,755	+$70
New Mexico	$1,340	$1,285	+$55
New York	$2,025	$1,950	+$75
North Carolina	$1,105	$1,060	+$45
North Dakota	$945	$900	+$45
Ohio	$1,065	$1,020	+$45
Oklahoma	$1,340	$1,280	+$60
Oregon	$1,360	$1,305	+$55
Pennsylvania	$1,300	$1,245	+$55
Rhode Island	$1,825	$1,750	+$75
South Carolina	$1,615	$1,550	+$65
South Dakota	$1,125	$1,075	+$50
Tennessee	$1,235	$1,185	+$50
Texas	$1,765	$1,695	+$70
Utah	$1,370	$1,320	+$50
Vermont	$960	$920	+$40
Virginia	$1,290	$1,235	+$55
Washington	$1,315	$1,265	+$50
West Virginia	$1,240	$1,190	+$50
Wisconsin	$1,020	$975	+$45
Wyoming	$1,150	$1,095	+$55

By driver profile (full coverage)

Driver	300	Avalon
Teen driver (18, own policy)	$4,125	$3,960
Young adult (22)	$2,400	$2,305
Adult in their 30s	$1,500	$1,440
Adult in their 50s	$1,380	$1,325
Senior (72)	$1,680	$1,615
30s, one at-fault accident	$2,175	$2,090
30s, DUI on record	$2,775	$2,665

More comparisons

Frequently asked questions

Is the Chrysler 300 or the Toyota Avalon cheaper to insure?

By our estimate the Toyota Avalon is cheaper, by about $60 a year for full coverage ($1,500 vs. $1,440) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Chrysler 300 and Toyota Avalon?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page