Toyota Venza Insurance Rates

The average insurance prices for a Toyota Venza are $1,182 every 12 months with full coverage. Comprehensive costs around $214 each year, collision costs $350, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,554. Teens cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates for type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Venza models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below details estimated Toyota Venza insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save about $130 annually
• The average price for a good driver age 40 using $500 deductibles is $1,182
• Selecting low deductibles for comp and collision coverage increases the price to $1,428
• Higher-risk drivers with serious driving violations could pay at least $2,554 or more
• Policy cost to insure a 16-year-old driver can be $4,612 each year

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Low Cost Toyota Venza Insurance

Finding cheaper rates on insurance for a Toyota Venza takes being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every couple of years by requesting rates from direct companies, and also from several local insurance agents.

The following list is a review of the material that was covered in the charts and tables above.

• Insureds who may need an increased level of liability coverage will pay approximately $510 every year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, as much as $384 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,370 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $375 each year