Toyota Venza Insurance Rates
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Michelle Robbins
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UPDATED: Apr 20, 2024
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Estimated insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive insurance costs on average $214, collision costs $350, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,554 or more. Teens pay the most at $4,612 a year or more.
Average premium for full coverage: $1,182
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Venza trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Venza go from as low as $510 for basic liability insurance to a much higher rate of $2,554 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how location impacts car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below breaks down estimated Toyota Venza insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $698
- Raising to $1,000 deductibles will save around $130 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,182
- Selecting more expensive low deductibles will cost an extra $246 annually
- Drivers with serious driving violations could pay upwards of $2,554 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $4,612
Auto insurance prices for a Toyota Venza also have a wide range based on your driving characteristics, the model of your Venza, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Venza insurance prices. A middle-age driver might find prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.
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 Find Cheap Toyota Venza Insurance
Finding better rates on insurance for a Toyota Venza consists of avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief summary of the car insurance concepts touched on above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,370 more each year for car insurance
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing policy deductibles can save around $375 each year
- Insureds who require higher liability limits will pay approximately $510 per year to raise from 30/60 bodily injury limits to 250/500 limits
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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