Toyota Venza Insurance Rates

The average auto insurance rates for a Toyota Venza are $1,182 annually with full coverage. Comprehensive insurance costs an estimated $214 each 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. Teens cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

These estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Venza models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

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

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details estimated Toyota Venza insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $130 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,182
• Selecting low deductibles costs an additional $246 every year
• At-risk drivers with serious driving violations could pay up to $2,554 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,612

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Insurance rates for a Toyota Venza also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $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 may be forking out $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 every year, whereas increasing liability limits will increase premiums. Moving 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 $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, 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 Cheap Toyota Venza Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the data that was covered in the above illustrations.

• You may be able to save approximately $140 per year simply by quoting online in advance
• Policyholders who want higher liability limits will pay approximately $510 every year to raise from a 30/60 limit to higher 250/500 limits
• Teens are charged the highest rates, as much as $384 each month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,370 more annually for Venza insurance