Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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U.S. average insurance rates for a Toyota Venza are $1,182 a year for full coverage insurance. Comprehensive insurance costs an estimated $214, collision insurance costs $350, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,554 or more. Teenage drivers pay the highest rates at up to $4,612 a year.

Average premium for full coverage: $1,182

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $350
Liability $460

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

Price Range from Low to High

For the average 40-year-old driver, Toyota Venza insurance prices range from as low as $510 for just liability insurance to the much higher price of $2,554 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,182
High Risk $2,554

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

The ranges above illustrate why everyone should get quotes for a targeted area and risk profile, instead of using average rates.

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

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More Rate Details

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

  • The best discount rate is $698
  • Choosing higher $1,000 deductibles can save approximately $130 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,182
  • Using pricier low deductibles for comp and collision coverage will cost an extra $246 every year
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,554
  • The price for full coverage for a teen driver for full coverage can cost as much as $4,612 each year

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing Toyota Venza insurance prices range from $698 to $4,612 for full coverage

Insurance prices for a Toyota Venza are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in 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.

Toyota Venza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,070 -$112 -9.5%
Alaska $906 -$276 -23.4%
Arizona $982 -$200 -16.9%
Arkansas $1,182 -$0 0.0%
California $1,346 $164 13.9%
Colorado $1,130 -$52 -4.4%
Connecticut $1,214 $32 2.7%
Delaware $1,336 $154 13.0%
Florida $1,478 $296 25.0%
Georgia $1,090 -$92 -7.8%
Hawaii $848 -$334 -28.3%
Idaho $800 -$382 -32.3%
Illinois $880 -$302 -25.5%
Indiana $890 -$292 -24.7%
Iowa $796 -$386 -32.7%
Kansas $1,124 -$58 -4.9%
Kentucky $1,612 $430 36.4%
Louisiana $1,748 $566 47.9%
Maine $730 -$452 -38.2%
Maryland $974 -$208 -17.6%
Massachusetts $946 -$236 -20.0%
Michigan $2,052 $870 73.6%
Minnesota $990 -$192 -16.2%
Mississippi $1,414 $232 19.6%
Missouri $1,048 -$134 -11.3%
Montana $1,270 $88 7.4%
Nebraska $932 -$250 -21.2%
Nevada $1,418 $236 20.0%
New Hampshire $852 -$330 -27.9%
New Jersey $1,322 $140 11.8%
New Mexico $1,048 -$134 -11.3%
New York $1,246 $64 5.4%
North Carolina $680 -$502 -42.5%
North Dakota $968 -$214 -18.1%
Ohio $816 -$366 -31.0%
Oklahoma $1,214 $32 2.7%
Oregon $1,082 -$100 -8.5%
Pennsylvania $1,126 -$56 -4.7%
Rhode Island $1,578 $396 33.5%
South Carolina $1,070 -$112 -9.5%
South Dakota $996 -$186 -15.7%
Tennessee $1,036 -$146 -12.4%
Texas $1,424 $242 20.5%
Utah $874 -$308 -26.1%
Vermont $808 -$374 -31.6%
Virginia $708 -$474 -40.1%
Washington $916 -$266 -22.5%
West Virginia $1,082 -$100 -8.5%
Wisconsin $818 -$364 -30.8%
Wyoming $1,052 -$130 -11.0%

View Chart as Image

Toyota Venza insurance rates by U.S. city

Using high physical damage deductibles can save as much as $380 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra each year, depending on your age. Toyota Venza insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Toyota Venza Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Venza 2WD 4-Dr $1,182 $99
Toyota Venza AWD 4-Dr $1,182 $99

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.

Toyota Venza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Venza $294 $536 $398 $1,386
2023 Toyota Venza $284 $524 $416 $1,382
2022 Toyota Venza $274 $502 $430 $1,364
2021 Toyota Venza $260 $484 $442 $1,344
2020 Toyota Venza $250 $450 $452 $1,310
2019 Toyota Venza $240 $424 $456 $1,278
2018 Toyota Venza $230 $380 $460 $1,228
2017 Toyota Venza $214 $350 $460 $1,182
2016 Toyota Venza $206 $328 $464 $1,156
2013 Toyota Venza $182 $258 $478 $1,076
2012 Toyota Venza $170 $236 $474 $1,038
2010 Toyota Venza $154 $192 $468 $972

Rates are averaged for all Toyota Venza models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Toyota Venza Insurance

Getting lower rates on car insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the coverage data touched on in this article.

  • It is possible to save approximately $140 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $375 each year
  • Teen drivers are charged the highest prices, as much as $384 a month for full coverage
  • Higher risk drivers with multiple at-fault accidents pay on average $1,370 more annually to insure their Venza

Rates by Driver Age

Toyota Venza Insurance Rates by Driver Age
Driver Age Premium
16 $4,612
20 $2,720
30 $1,216
40 $1,182
50 $1,082
60 $1,060

Full coverage, $500 deductibles

Rates by Deductible

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,428
$250 $1,314
$500 $1,182
$1,000 $1,052

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,274
100/300 $1,389
250/500 $1,688
100 CSL $1,320
300 CSL $1,573
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Venza Insurance Rates for High Risk Drivers
Age Premium
16 $6,536
20 $4,334
30 $2,594
40 $2,554
50 $2,442
60 $2,420

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $82
Total Discounts $484
Rate after discounts $698

Discounts are estimated and may not be available from every company or in every state.

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