Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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Average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive costs approximately $214 a year, collision costs $350, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,554. Teen drivers receive the highest rates at $4,612 a year or more.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $214
Collision $350
Liability $460

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Venza trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $510 for minimum levels of liability insurance to a high of $2,554 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,182
High Risk $2,554

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

These examples highlight why it is important to compare rates using their specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Additional Rate Details

The chart below breaks down estimated Toyota Venza insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $698
  • Drivers who choose higher $1,000 deductibles will pay $1,052 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,182
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,428
  • High risk drivers with multiple violations and an at-fault accident could pay around $2,554 or more
  • The cost for full coverage for a teen driver can cost $4,612 a year

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing full coverage Toyota Venza insurance rates range from $698 to $4,612

Insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the model of your Venza, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Venza insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,690 on average in Louisiana, New York, and Michigan.

Toyota Venza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,070 -$112 -9.5%
Alaska $906 -$276 -23.4%
Arizona $982 -$200 -16.9%
Arkansas $1,182 -$0 0.0%
California $1,346 $164 13.9%
Colorado $1,130 -$52 -4.4%
Connecticut $1,214 $32 2.7%
Delaware $1,336 $154 13.0%
Florida $1,478 $296 25.0%
Georgia $1,090 -$92 -7.8%
Hawaii $848 -$334 -28.3%
Idaho $800 -$382 -32.3%
Illinois $880 -$302 -25.5%
Indiana $890 -$292 -24.7%
Iowa $796 -$386 -32.7%
Kansas $1,124 -$58 -4.9%
Kentucky $1,612 $430 36.4%
Louisiana $1,748 $566 47.9%
Maine $730 -$452 -38.2%
Maryland $974 -$208 -17.6%
Massachusetts $946 -$236 -20.0%
Michigan $2,052 $870 73.6%
Minnesota $990 -$192 -16.2%
Mississippi $1,414 $232 19.6%
Missouri $1,048 -$134 -11.3%
Montana $1,270 $88 7.4%
Nebraska $932 -$250 -21.2%
Nevada $1,418 $236 20.0%
New Hampshire $852 -$330 -27.9%
New Jersey $1,322 $140 11.8%
New Mexico $1,048 -$134 -11.3%
New York $1,246 $64 5.4%
North Carolina $680 -$502 -42.5%
North Dakota $968 -$214 -18.1%
Ohio $816 -$366 -31.0%
Oklahoma $1,214 $32 2.7%
Oregon $1,082 -$100 -8.5%
Pennsylvania $1,126 -$56 -4.7%
Rhode Island $1,578 $396 33.5%
South Carolina $1,070 -$112 -9.5%
South Dakota $996 -$186 -15.7%
Tennessee $1,036 -$146 -12.4%
Texas $1,424 $242 20.5%
Utah $874 -$308 -26.1%
Vermont $808 -$374 -31.6%
Virginia $708 -$474 -40.1%
Washington $916 -$266 -22.5%
West Virginia $1,082 -$100 -8.5%
Wisconsin $818 -$364 -30.8%
Wyoming $1,052 -$130 -11.0%

View Chart as Image

Toyota Venza insurance rates by U.S. city

Choosing high deductibles could save up to $380 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Venza Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Venza 2WD 4-Dr $1,182 $99
Toyota Venza AWD 4-Dr $1,182 $99

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Toyota Venza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Venza $294 $536 $398 $1,386
2023 Toyota Venza $284 $524 $416 $1,382
2022 Toyota Venza $274 $502 $430 $1,364
2021 Toyota Venza $260 $484 $442 $1,344
2020 Toyota Venza $250 $450 $452 $1,310
2019 Toyota Venza $240 $424 $456 $1,278
2018 Toyota Venza $230 $380 $460 $1,228
2017 Toyota Venza $214 $350 $460 $1,182
2016 Toyota Venza $206 $328 $464 $1,156
2013 Toyota Venza $182 $258 $478 $1,076
2012 Toyota Venza $170 $236 $474 $1,038
2010 Toyota Venza $154 $192 $468 $972

Rates are averaged for all Toyota Venza models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Toyota Venza Insurance

Saving money on Toyota Venza insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below is a brief recap of the data that was covered in the charts and tables above.

  • You may be able to save around $140 per year simply by quoting early and online
  • Drivers who purchase higher levels of liability will pay about $510 per year to go from a minimum limit to 250/500 limits
  • Teenage drivers are expensive to insure, as much as $384 per month for full coverage
  • High-risk drivers who tend to receive serious violations could be forced to pay on average $1,370 more per year for auto insurance

Rates by Driver Age

Toyota Venza Insurance Rates by Driver Age
Driver Age Premium
16 $4,612
20 $2,720
30 $1,216
40 $1,182
50 $1,082
60 $1,060

Full coverage, $500 deductibles

Rates by Deductible

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,428
$250 $1,314
$500 $1,182
$1,000 $1,052

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,274
100/300 $1,389
250/500 $1,688
100 CSL $1,320
300 CSL $1,573
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Venza Insurance Rates for High Risk Drivers
Age Premium
16 $6,536
20 $4,334
30 $2,594
40 $2,554
50 $2,442
60 $2,420

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $82
Total Discounts $484
Rate after discounts $698

Discounts are estimated and may not be available from every company or in every state.

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