Toyota Venza Insurance Rates

Estimated insurance prices for a Toyota Venza are $1,182 every 12 months for full coverage insurance. Comprehensive costs an estimated $214, collision costs $350, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,554. Teenage drivers pay the most at $4,612 a year or more.

Average premium for full coverage: $1,182

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Venza models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and their own driving history, 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 illustrates estimated Toyota Venza insurance rates for other coverage scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $130 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,182
• Using pricier low deductibles for comp and collision coverage increases the price to $1,428
• Unlucky drivers who are prone to accidents and violations could pay up to $2,554 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $4,612 each year

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

Using high physical damage deductibles can save as much as $380 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 additional annually, depending on your age. Toyota Venza insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,600 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.

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 Shop for the Cheapest Toyota Venza Insurance

Finding better rates on car insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a recap of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,370 more annually than a driver with a clean driving record
• Increasing policy deductibles could save as much as $375 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $384 per month if full coverage is included