Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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Average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive insurance costs on average $214, collision insurance costs $350, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,554 or more. Teen drivers receive the highest rates at up to $4,612 a year.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $214
Collision $350
Liability $460

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Venza models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $510 for minimum levels of liability insurance to the much higher price of $2,554 for a high-risk insurance policy.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

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

These examples highlight why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Additional Rate Details

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

  • The lowest rate with discounts is $698
  • Choosing higher $1,000 deductibles can save around $130 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,182
  • Choosing pricier low deductibles for comp and collision coverage will cost an extra $246 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,554
  • The cost for full coverage for a 16-year-old driver for full coverage 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

Car insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the model of your Venza, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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

Choosing high deductibles can save as much as $380 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra per year, depending on your age. Toyota Venza insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

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 Find the Best Toyota Venza Insurance

Saving money on insurance for a Toyota Venza takes being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief recap of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,370 more each year than a low-risk driver
  • You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $375 each year
  • Insureds who require more liability protection will pay about $510 per year to raise limits from a minimum limit to 250/500 limits

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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