Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year with full coverage. Comprehensive costs approximately $214 a year, collision insurance costs $350, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,554. 16-year-old drivers cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,182

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, rather than using rate averages.

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

Additional Rate Information

The chart below details average Toyota Venza insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $698
• Drivers who choose higher $1,000 deductibles will pay $1,052 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,182
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,428
• High-risk insureds with multiple tickets or accidents could pay around $2,554
• Policy cost for full coverage for a teenage driver can cost $4,612 a year

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Venza insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $380 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

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 Find the Cheapest Toyota Venza Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a recap of the data raised in the charts and tables above.

• Consumers who purchase increased liability limits will pay around $510 every year to go from a 30/60 limit to 250/500 limits
• You may be able to save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Drivers under the age of 20 are the costliest to insure, as much as $384 each month including comprehensive and collision insurance