Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,182

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Venza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

These rate differences illustrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $1,052 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,182
• Using low $100 deductibles for comp and collision coverage will cost $1,428
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,554 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,612 each year

View Chart as Image

Insurance prices for a Toyota Venza also have a wide range based on the model of your Venza, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $380 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,600 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, and prices will be substantially different 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 the Best Toyota Venza Insurance

Finding better rates on insurance for a Toyota Venza takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the data that was touched on in the above illustrations.

• It is possible to save approximately $140 per year simply by quoting early and online
• Insureds who want additional liability coverage will pay an extra $510 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $384 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,370 more annually than a driver with a clean driving record