Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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The 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 insurance is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,554 or more. Teens cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Comprehensive $214
Collision $350
Liability $460

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Venza trim levels.

Price Range Variability

For a 40-year-old driver, Toyota Venza insurance rates range from the low end price of $510 for your basic liability-only policy to a much higher rate of $2,554 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on averaged prices.

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

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More Rate Information

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

  • The cheapest rate after discounts is $698
  • Choosing higher $1,000 deductibles can save approximately $130 each year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,182
  • Selecting more expensive low deductibles for comp and collision coverage will cost an additional $246 a year
  • High-risk insureds with serious driving violations could pay up to $2,554
  • Policy cost that insures a teen driver with 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 rates for a Toyota Venza also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Venza insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

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 the Right Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance takes having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare rates every other policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a quick rundown of the ideas that were illustrated above.

  • 16 to 18-year-old drivers are charged the highest rates, possibly costing $384 each month if full coverage is included
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,370 more annually than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save approximately $375 each year
  • It is possible to save approximately $140 per year just by shopping early and online

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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