Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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Estimated auto insurance rates for a Toyota Venza are $1,182 annually for full coverage insurance. Comprehensive insurance costs on average $214 each year, collision insurance costs $350, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,554 or more. Teens pay the most at up to $4,612 a year.

Average premium for full coverage: $1,182

Premium estimates by type of coverage:

Comprehensive $214
Collision $350
Liability $460

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Venza models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Toyota Venza range from as cheap as $510 for just liability coverage to a high rate of $2,554 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

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

These rate differences illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

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Detailed Rate Analysis

The chart below illustrates average Toyota Venza insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $698
  • Choosing higher $1,000 deductibles can save around $130 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,182
  • Selecting low deductibles for comp and collision coverage costs an additional $246 each year
  • Drivers with serious driving violations could pay upwards of $2,554
  • An auto insurance policy with full coverage for a teenage driver may cost $4,612 each year

View Chart as Image

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

Auto insurance prices for a Toyota Venza also have a wide range based on the model of your Venza, your risk profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Toyota Venza insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,600 on average in Michigan, New York, and Florida.

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

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 Buy Cheaper Toyota Venza Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The list below is a condensed summary of the ideas that were raised in the charts and tables above.

  • Teenagers are charged the highest prices, with premiums being up to $384 per month if full coverage is included
  • Drivers with multiple at-fault accidents may pay on average $1,370 more each year for car insurance
  • Increasing policy deductibles could save up to $375 each year
  • It is possible to save as much as $140 per year just by quoting online in advance

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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