Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive costs around $214, collision costs $350, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,554. Teenage drivers cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above highlight why everyone should compare rates for a specific zip code, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated 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 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,182
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,428
• High-risk insureds who are prone to accidents and violations could pay at least $2,554 or more
• Policy cost that insures a teenage driver for full coverage can be $4,612 a year

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on the model of your Venza, your driving record and age, and deductibles and policy limits.

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

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Venza insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

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 Low Cost Toyota Venza Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a review of the car insurance concepts touched on above.

• Drivers who have several accidents or serious violations may have to pay on average $1,370 more every year to insure their Venza
• You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Consumers who may need more liability coverage will pay an extra $510 per year to go from a 30/60 limit to the 250/500 level