Toyota Venza Insurance Rates

U.S. average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $350, and liability insurance is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,554 or more. Teens pay the highest rates at $4,612 a year or more.

Average premium for full coverage: $1,182

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Venza trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area and risk profile, 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 estimated Toyota Venza insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $1,052 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,182
• Selecting low $100 deductibles will cost an extra $246 a year
• Higher-risk drivers with serious driving violations could pay up to $2,554 or more
• The price for full coverage for a teen driver can cost as much as $4,612

View Chart as Image

Insurance prices for a Toyota Venza are also quite variable based on your driving record, the model of your Venza, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Venza insurance rates. A middle-age driver might find prices 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

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

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.

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 Find the Cheapest Toyota Venza Insurance

Getting lower rates on Toyota Venza insurance consists of avoiding accidents and violations, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a recap of the car insurance concepts covered above.

• High-risk drivers that have major violations or accidents may pay on average $1,370 more annually for car insurance
• You may be able to save approximately $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $375 each year
• Drivers who want higher liability limits will pay approximately $510 per year to raise from a low limit to 250/500 limits