Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,228 a year including full coverage. Comprehensive insurance costs around $230 a year, collision insurance costs $380, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,654 or more. Teenage drivers cost the most to insure at up to $4,754 a year.

Average premium for full coverage: $1,228

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $720
• Using higher $1,000 deductibles will save about $1,088 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,228
• Using low $100 deductibles for physical damage coverage will cost an extra $266 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,654
• Policy cost for full coverage for a 16-year-old driver can be $4,754 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $410 annually, while buying higher liability limits will increase rates. Changing 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 are likely paying at least $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 136% more than a normal policy. View High Risk Driver Rates

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 insurance for a Toyota Venza requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the ideas that were touched on in this article.

• Teen drivers are charged the highest rates, with premiums being up to $396 each month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,430 more every year to insure their Venza
• Increasing comprehensive and collision deductibles can save around $400 each year
• You may be able to save up to $140 per year just by quoting early and online