Toyota Venza Insurance Rates

The average auto insurance rates for a Toyota Venza are $1,182 annually for full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $350, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,554 or more. Teen drivers cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save $1,052 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,182
• Choosing low $100 deductibles costs an additional $246 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,554 or more
• Policy cost with full coverage for a 16-year-old driver can cost $4,612

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $380 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Venza insurance prices. A middle-age driver might find rates as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy the Best Cheap Toyota Venza Insurance

Finding cheaper rates on insurance for a Toyota Venza consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the data covered in the above illustrations.

• Insureds who purchase higher levels of liability will pay about $510 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers can save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Teenage drivers are expensive to insure, costing up to $384 each month including comprehensive and collision insurance