Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year for full coverage. Comprehensive costs on average $214 each year, collision costs $350, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,554. Teenage drivers cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Venza models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $130 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,182
• Using low deductibles will increase the cost to $1,428
• Drivers who are prone to accidents and violations could pay upwards of $2,554 or more
• Policy cost for full coverage for a 16-year-old driver may cost $4,612

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,600 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 $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 annually, whereas increasing liability limits will cost you more. Going 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 could be paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 insurance for a Toyota Venza consists of having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a brief summary of the data illustrated above.

• Insureds who require increased levels of liability coverage will pay an extra $510 each year to raise from a 30/60 limit to 250/500 limits
• Drivers can save as much as $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $375 each year
• Drivers age 20 and younger pay higher rates, costing up to $384 each month including comprehensive and collision insurance