Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 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

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

These examples highlight why it is important to compare rates quotes using their specific location, rather than relying on averaged prices.

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 cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save $1,052 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,182
• Selecting low $100 deductibles will cost an additional $246 a year
• Higher-risk drivers with serious driving violations could pay around $2,554 or more
• The cost that insures a teen driver can cost $4,612

View Chart as Image

Insurance rates for a Toyota Venza can also vary considerably based on the trim level of your Venza, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Venza insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different.

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 the Best Cheap Toyota Venza Insurance

Saving money on Toyota Venza insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

Below is a quick review of the data covered in the above illustrations.

• Drivers who purchase higher levels of liability will pay approximately $510 per year to raise from a minimum limit to the 250/500 level
• You may be able to save around $140 per year simply by quoting early and online
• Increasing deductibles can save approximately $375 each year
• Teenage drivers are the costliest to insure, as much as $384 per month if comprehensive and collision insurance is included