Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year for full coverage insurance. Comprehensive costs around $214 a year, collision costs $350, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance 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:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Venza trim levels.

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 a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates 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 $1,052 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,182
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,428
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,554 or more
• Policy cost for full coverage for a teen driver can be $4,612 a year

View Chart as Image

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

Older drivers with a good driving record and high 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, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

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

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

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted 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 More Affordable Toyota Venza Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the information covered in the charts and tables above.

• It is possible to save up to $140 per year simply by quoting early and online
• Teenagers are expensive to insure, possibly costing $384 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $375 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,370 more every year for car insurance
• Policyholders who may need higher liability limits will pay an extra $510 annually to go from a 30/60 limit to 250/500 limits