Toyota Venza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Toyota Venza are $1,140 a year including full coverage. Comprehensive insurance costs approximately $202 a year, collision insurance costs $306, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,458 or more. Teenage drivers pay the highest rates at up to $4,486 a year.

Average premium for full coverage: $1,140

Price estimates by individual coverage:

Comprehensive $202
Collision $306
Liability $474

Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Venza trim levels.

Price Range from Low to High

For a 40-year-old driver, Toyota Venza insurance prices range from the low end price of $522 for basic liability insurance to a high of $2,458 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,140
High Risk $2,458

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $855
Small Cities $1,197
Large Cities $1,539

The ranges above highlight why it is important to compare prices using their specific location, rather than relying on average rates.

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 breaks down average Toyota Venza insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $678
  • Using higher $1,000 deductibles will save $1,024 every year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,140
  • Using low $100 deductibles for physical damage coverage will cost an additional $220 a year
  • Drivers who are prone to accidents and violations could pay around $2,458
  • The price that insures a teen driver can cost $4,486 or more

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing Toyota Venza insurance prices range from $678 to $4,486 for full coverage

Auto insurance prices for a Toyota Venza are also quite variable based on the trim level of your Venza, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year 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 $4,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

Toyota Venza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,030 -$110 -9.6%
Alaska $872 -$268 -23.5%
Arizona $946 -$194 -17.0%
Arkansas $1,140 -$0 0.0%
California $1,298 $158 13.9%
Colorado $1,088 -$52 -4.6%
Connecticut $1,172 $32 2.8%
Delaware $1,290 $150 13.2%
Florida $1,426 $286 25.1%
Georgia $1,050 -$90 -7.9%
Hawaii $818 -$322 -28.2%
Idaho $768 -$372 -32.6%
Illinois $848 -$292 -25.6%
Indiana $856 -$284 -24.9%
Iowa $768 -$372 -32.6%
Kansas $1,084 -$56 -4.9%
Kentucky $1,554 $414 36.3%
Louisiana $1,684 $544 47.7%
Maine $702 -$438 -38.4%
Maryland $938 -$202 -17.7%
Massachusetts $912 -$228 -20.0%
Michigan $1,978 $838 73.5%
Minnesota $954 -$186 -16.3%
Mississippi $1,364 $224 19.6%
Missouri $1,012 -$128 -11.2%
Montana $1,224 $84 7.4%
Nebraska $898 -$242 -21.2%
Nevada $1,366 $226 19.8%
New Hampshire $820 -$320 -28.1%
New Jersey $1,274 $134 11.8%
New Mexico $1,008 -$132 -11.6%
New York $1,200 $60 5.3%
North Carolina $656 -$484 -42.5%
North Dakota $934 -$206 -18.1%
Ohio $786 -$354 -31.1%
Oklahoma $1,172 $32 2.8%
Oregon $1,044 -$96 -8.4%
Pennsylvania $1,088 -$52 -4.6%
Rhode Island $1,520 $380 33.3%
South Carolina $1,030 -$110 -9.6%
South Dakota $962 -$178 -15.6%
Tennessee $998 -$142 -12.5%
Texas $1,374 $234 20.5%
Utah $844 -$296 -26.0%
Vermont $780 -$360 -31.6%
Virginia $684 -$456 -40.0%
Washington $882 -$258 -22.6%
West Virginia $1,044 -$96 -8.4%
Wisconsin $790 -$350 -30.7%
Wyoming $1,016 -$124 -10.9%

View Chart as Image

Toyota Venza insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $340 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 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 $1,140 $95
Toyota Venza AWD 4-Dr $1,140 $95

Rates assume 2013 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
2013 Toyota Venza $202 $306 $474 $1,140
2012 Toyota Venza $186 $284 $474 $1,102
2010 Toyota Venza $170 $236 $474 $1,038

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 Affordable Toyota Venza Insurance

Getting lower rates on Toyota Venza insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a brief review of the coverage data illustrated above.

  • You may be able to save around $130 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $325 each year
  • Teens have the highest car insurance prices, possibly costing $374 a month if the policy includes full coverage
  • High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,320 more per year for Venza insurance

Rates by Driver Age

Toyota Venza Insurance Rates by Driver Age
Driver Age Premium
16 $4,486
20 $2,614
30 $1,168
40 $1,140
50 $1,044
60 $1,022

Full coverage, $500 deductibles

Rates by Deductible

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,258
$500 $1,140
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,235
100/300 $1,353
250/500 $1,661
100 CSL $1,282
300 CSL $1,543
500 CSL $1,733

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Venza Insurance Rates for High Risk Drivers
Age Premium
16 $6,346
20 $4,168
30 $2,490
40 $2,458
50 $2,350
60 $2,326

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 $156

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $462
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

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