Toyota Venza Insurance Rates

The average insurance prices for a Toyota Venza are $1,182 every 12 months for full coverage insurance. Comprehensive costs around $214, collision insurance costs $350, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance 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 for type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates average Toyota Venza insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay about $130 each year
• The average price for a good driver age 40 using $500 deductibles is $1,182
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,428
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,554
• Policy cost to insure a teen driver for full coverage can be $4,612 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $380 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. Toyota Venza insurance for high-risk drivers can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Venza insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

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 Cheap Toyota Venza Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the information covered in the charts and tables above.

• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
• Teens are the costliest to insure, possibly costing $384 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,370 more every year for Venza insurance
• Policyholders who may need higher liability limits will pay an extra $510 annually to go from a 30/60 limit to a 250/500 level