Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,228 a year for full coverage. Comprehensive insurance costs on average $230 a year, collision costs $380, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,654 or more. Teenage drivers cost the most to insure at $4,754 a year or more.

Average premium for full coverage: $1,228

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $720
• Raising to $1,000 deductibles will save around $1,088 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,228
• Using low $100 deductibles will cost an additional $266 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,654 or more
• Policy cost that insures a teen driver may cost $4,754

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on the trim level of your Venza, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision 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, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state also has a big influence on Toyota Venza insurance prices. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $410 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and 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 Find Cheap Toyota Venza Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief summary of the information covered in the charts and tables above.

• Drivers can save as much as $140 per year simply by quoting early and online
• Drivers age 20 and younger pay higher rates, costing up to $396 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,430 more each year to buy Toyota Venza insurance
• Policyholders who require increased levels of liability coverage will pay an extra $510 each year to raise from a 30/60 limit to the 250/500 level