Toyota Venza Insurance Rates
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UPDATED: Apr 20, 2024
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The average auto insurance rates for a Toyota Venza are $1,182 annually for full coverage insurance. Comprehensive insurance costs around $214 a year, collision costs $350, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,554 or more. Teens cost the most to insure at $4,612 a year or more.
Average premium for full coverage: $1,182
Policy rates for type of insurance:
Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Venza trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Venza insurance rates go from as cheap as $510 for basic liability insurance to a high of $2,554 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates estimated Toyota Venza insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $698
- Drivers who choose higher $1,000 deductibles will pay about $1,052 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,182
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $246 a year
- High risk drivers with serious driving violations could pay at least $2,554 or more
- Policy cost with full coverage for a teen driver can be $4,612 a year
Insurance rates for a Toyota Venza also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota Venza insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,600 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheaper Toyota Venza Insurance
Finding cheaper rates on Toyota Venza insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a condensed summary of the ideas that were touched on in this article.
- Teens pay higher rates, possibly costing $384 each month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents pay on average $1,370 more every year for Venza insurance
- Increasing comprehensive and collision deductibles could save up to $375 each year
- It is possible to save up to $140 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,428 |
| $250 | $1,314 |
| $500 | $1,182 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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