Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year for full coverage insurance. Comprehensive costs an estimated $214 each year, collision insurance costs $350, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,554. Teenage drivers cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Venza models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Toyota Venza insurance rates for other coverage scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save approximately $130 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,182
• Using low deductibles for physical damage coverage bumps up the cost to $1,428
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,554
• Policy cost that insures a teenage driver can cost as much as $4,612 or more

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $380 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

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 Right Toyota Venza Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices every couple of years by requesting rates from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the material that was raised in the charts and tables above.

• Consumers who want more liability protection will pay an extra $510 annually to increase from a 30/60 limit to the 250/500 level
• Youthful drivers are charged the highest rates, possibly costing $384 each month if full coverage is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,370 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $375 each year