Toyota Venza Insurance Rates

Average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive costs approximately $214 a year, collision costs $350, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,554. Teen drivers receive the highest rates at $4,612 a year or more.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Venza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

The chart below breaks down estimated Toyota Venza insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save $1,052 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,182
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,428
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,554 or more
• The cost for full coverage for a 16-year-old driver can cost $4,612 or more

View Chart as Image

Insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the model of your Venza, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $380 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different 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 Cheap Toyota Venza Insurance

Saving money on insurance for a Toyota Venza requires being a safe and courteous driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below is a brief summary of the material that was covered in the above illustrations.

• Insureds who purchase higher levels of liability will pay about $510 per year to increase from a minimum limit to 250/500 limits
• Teenage drivers are the costliest to insure, as much as $384 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,370 more per year for auto insurance
• Increasing deductibles can save around $375 each year