Toyota Venza Insurance Rates

The average insurance prices for a Toyota Venza are $1,182 every 12 months for full coverage. Comprehensive insurance costs on average $214, collision costs $350, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,554 or more. Teens 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 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare prices based on a specific location 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.

Detailed Rate Analysis

The chart below shows estimated Toyota Venza insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save around $130 a year
• The average price for a good driver age 40 with $500 deductibles is $1,182
• Selecting pricier low deductibles for physical damage coverage costs an extra $246 annually
• High-risk insureds with serious driving violations could pay upwards of $2,554 or more
• Policy cost to insure a 16-year-old driver for full coverage may cost $4,612 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 annually, whereas buying more liability protection will cost you more. Going 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 may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $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 could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Toyota Venza insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the 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 the Best Cheap Toyota Venza Insurance

Finding cheaper rates on insurance for a Toyota Venza requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following items are a quick review of the information touched on above.

• Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay the highest rates, costing up to $384 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,370 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay approximately $510 each year to increase from a 30/60 limit to a 250/500 level