Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,182

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Venza models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows average Toyota Venza insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save $130 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,182
• Using low deductibles for comp and collision coverage bumps up the cost to $1,428
• High-risk insureds who are prone to accidents and violations could pay around $2,554
• The price that insures a teen driver can cost $4,612 each year

View Chart as Image

Auto insurance prices for a Toyota Venza are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Venza insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $380 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

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

Getting lower rates on Toyota Venza insurance takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a brief summary of the information raised in the charts and tables above.

• Drivers can save around $140 per year just by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $384 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $375 each year
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,370 more per year than a driver with a clean driving record
• Drivers who purchase additional liability coverage will pay an extra $510 each year to raise limits from a low limit to the 250/500 level