Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year with full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $350, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,554 or more. 16-year-old 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:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below details estimated Toyota Venza insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save $1,052 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,182
• Buying low $100 deductibles for comp and collision coverage will cost an extra $246 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,554 or more
• Policy cost for full coverage for a teen driver can cost $4,612 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Venza insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $380 each year, while buying higher liability limits will push rates upward. Moving 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 may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, 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 the Cheapest Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a recap of the concepts that were covered in the above illustrations.

• High-risk drivers that have major violations or accidents pay on average $1,370 more per year for car insurance
• Teenagers are the costliest to insure, as much as $384 each month including comprehensive and collision insurance
• You may be able to save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• You may be able to save around $140 per year simply by quoting early and online