Toyota Venza Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 20, 2024
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Estimated insurance prices for a Toyota Venza are $1,182 every 12 months with full coverage. Comprehensive costs approximately $214 a year, collision costs $350, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,554. Teens pay the most at $4,612 a year or more.
Average premium for full coverage: $1,182
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Venza trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Venza go from the cheapest price of $510 for just liability insurance to a high of $2,554 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why it is important to compare prices using their specific location and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details estimated Toyota Venza insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $698
- Using higher $1,000 deductibles will save $1,052 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,182
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,428
- Drivers with serious driving violations could pay around $2,554 or more
- An auto insurance policy to insure a teen driver can cost $4,612 or more
Auto insurance prices for a Toyota Venza also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Venza.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see prices 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$112 | -9.5% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $982 | -$200 | -16.9% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,336 | $154 | 13.0% |
| Florida | $1,478 | $296 | 25.0% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $848 | -$334 | -28.3% |
| Idaho | $800 | -$382 | -32.3% |
| Illinois | $880 | -$302 | -25.5% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $796 | -$386 | -32.7% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,052 | $870 | 73.6% |
| Minnesota | $990 | -$192 | -16.2% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,270 | $88 | 7.4% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,418 | $236 | 20.0% |
| New Hampshire | $852 | -$330 | -27.9% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,048 | -$134 | -11.3% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $680 | -$502 | -42.5% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,126 | -$56 | -4.7% |
| Rhode Island | $1,578 | $396 | 33.5% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $996 | -$186 | -15.7% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $874 | -$308 | -26.1% |
| Vermont | $808 | -$374 | -31.6% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $916 | -$266 | -22.5% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,052 | -$130 | -11.0% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each insurance company calculates prices differently, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Venza 2WD 4-Dr | $1,182 | $99 |
| Toyota Venza AWD 4-Dr | $1,182 | $99 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Venza | $294 | $536 | $398 | $1,386 |
| 2023 Toyota Venza | $284 | $524 | $416 | $1,382 |
| 2022 Toyota Venza | $274 | $502 | $430 | $1,364 |
| 2021 Toyota Venza | $260 | $484 | $442 | $1,344 |
| 2020 Toyota Venza | $250 | $450 | $452 | $1,310 |
| 2019 Toyota Venza | $240 | $424 | $456 | $1,278 |
| 2018 Toyota Venza | $230 | $380 | $460 | $1,228 |
| 2017 Toyota Venza | $214 | $350 | $460 | $1,182 |
| 2016 Toyota Venza | $206 | $328 | $464 | $1,156 |
| 2013 Toyota Venza | $182 | $258 | $478 | $1,076 |
| 2012 Toyota Venza | $170 | $236 | $474 | $1,038 |
| 2010 Toyota Venza | $154 | $192 | $468 | $972 |
Rates are averaged for all Toyota Venza models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Toyota Venza Insurance
Finding better rates on Toyota Venza insurance requires having a decent driving record, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following items are a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save around $140 per year simply by quoting early and online
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,370 more per year 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 have the highest car insurance prices, possibly costing $384 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,612 |
| 20 | $2,720 |
| 30 | $1,216 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,060 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,428 |
| $250 | $1,314 |
| $500 | $1,182 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,274 |
| 100/300 | $1,389 |
| 250/500 | $1,688 |
| 100 CSL | $1,320 |
| 300 CSL | $1,573 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,536 |
| 20 | $4,334 |
| 30 | $2,594 |
| 40 | $2,554 |
| 50 | $2,442 |
| 60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $484 |
Discounts are estimated and may not be available from every company or in every state.
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