Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down average Toyota Venza insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save approximately $130 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,182
• Selecting pricier low deductibles for comp and collision coverage costs an extra $246 a year
• High-risk insureds with serious driving violations could pay up to $2,554
• Policy cost to insure a teen driver for full coverage can cost as much as $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 characteristics, and the model year and trim level.

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

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $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 are likely paying $1,400 to $2,000 extra every year, depending on your age. Toyota Venza insurance for high-risk drivers ranges anywhere 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 rates. A good driver about age 40 could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 the Best Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a brief recap of the material that was touched on above.

• Drivers who want higher levels of liability will pay approximately $510 per year to raise limits from a 30/60 limit to a 250/500 level
• Teenage drivers are charged the highest rates, with premiums being up to $384 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may have to pay on average $1,370 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $375 each year