Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Toyota Venza insurance rates for other coverage scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $130 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,182
• Using more expensive low deductibles for comp and collision coverage costs an additional $246 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,554 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,612 each year

View Chart as Image

Auto insurance rates for a Toyota Venza also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $380 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy More Affordable Toyota Venza Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the data presented in the illustrations above.

• Policyholders who want more liability protection will pay an extra $510 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Youthful drivers are the costliest to insure, as much as $384 each month if full coverage is included