Toyota Venza Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 20, 2024
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U.S. average insurance rates for a Toyota Venza are $1,182 a year for full coverage insurance. Comprehensive insurance costs around $214 a year, collision costs $350, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,554 or more. 16-year-old drivers pay the highest rates at $4,612 a year or more.
Average premium for full coverage: $1,182
Price estimates for individual coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Venza trim levels.
Price Range from Low to High
For an average driver, Toyota Venza insurance prices go from as low as $510 for just liability coverage to a high of $2,554 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of using rate 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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Venza insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $698
- Raising to $1,000 deductibles will save about $1,052 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,182
- Buying low $100 deductibles will cost an extra $246 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,554 or more
- The price for full coverage for a teen driver can be $4,612
Auto insurance prices for a Toyota Venza are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
The state you live in also has a big influence on Toyota Venza insurance prices. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $380 every year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheaper Toyota Venza Insurance
Getting lower rates on car insurance consists of being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a condensed summary of the data covered in the above illustrations.
- Policyholders who may need more liability coverage will pay around $510 annually to raise from a low limit to 250/500 limits
- It is possible to save up to $140 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $375 each year
- Teen drivers are expensive to insure, as much as $384 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,428 |
| $250 | $1,314 |
| $500 | $1,182 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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