Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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Average insurance rates for a Toyota Venza are $1,228 a year including full coverage. Comprehensive insurance costs around $230, collision insurance costs $380, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,654 or more. Teens receive the highest rates at up to $4,754 a year.

Average premium for full coverage: $1,228

Rate estimates for individual coverage type:

Comprehensive $230
Collision $380
Liability $460

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Venza trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $510 for liability-only coverage to a much higher rate of $2,654 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,228
High Risk $2,654

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $921
Small Cities $1,289
Large Cities $1,658

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based 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.

Additional Charts and Tables

The chart below breaks down average Toyota Venza insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $720
  • Using higher $1,000 deductibles will save about $140 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,228
  • Selecting more expensive low deductibles for physical damage coverage will cost an extra $266 annually
  • High-risk insureds with serious driving violations could pay at least $2,654
  • The cost for full coverage for a 16-year-old driver with full coverage can be $4,754 or more

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing Toyota Venza insurance prices range from $720 to $4,754 for full coverage

Insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the model of your Venza, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Where you live has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

Toyota Venza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,112 -$116 -9.4%
Alaska $940 -$288 -23.5%
Arizona $1,018 -$210 -17.1%
Arkansas $1,228 -$0 0.0%
California $1,398 $170 13.8%
Colorado $1,174 -$54 -4.4%
Connecticut $1,262 $34 2.8%
Delaware $1,390 $162 13.2%
Florida $1,534 $306 24.9%
Georgia $1,132 -$96 -7.8%
Hawaii $880 -$348 -28.3%
Idaho $832 -$396 -32.2%
Illinois $912 -$316 -25.7%
Indiana $922 -$306 -24.9%
Iowa $826 -$402 -32.7%
Kansas $1,166 -$62 -5.0%
Kentucky $1,674 $446 36.3%
Louisiana $1,816 $588 47.9%
Maine $758 -$470 -38.3%
Maryland $1,014 -$214 -17.4%
Massachusetts $984 -$244 -19.9%
Michigan $2,132 $904 73.6%
Minnesota $1,028 -$200 -16.3%
Mississippi $1,468 $240 19.5%
Missouri $1,088 -$140 -11.4%
Montana $1,318 $90 7.3%
Nebraska $968 -$260 -21.2%
Nevada $1,474 $246 20.0%
New Hampshire $886 -$342 -27.9%
New Jersey $1,372 $144 11.7%
New Mexico $1,088 -$140 -11.4%
New York $1,294 $66 5.4%
North Carolina $706 -$522 -42.5%
North Dakota $1,004 -$224 -18.2%
Ohio $848 -$380 -30.9%
Oklahoma $1,262 $34 2.8%
Oregon $1,124 -$104 -8.5%
Pennsylvania $1,170 -$58 -4.7%
Rhode Island $1,638 $410 33.4%
South Carolina $1,112 -$116 -9.4%
South Dakota $1,036 -$192 -15.6%
Tennessee $1,074 -$154 -12.5%
Texas $1,480 $252 20.5%
Utah $908 -$320 -26.1%
Vermont $840 -$388 -31.6%
Virginia $736 -$492 -40.1%
Washington $952 -$276 -22.5%
West Virginia $1,124 -$104 -8.5%
Wisconsin $848 -$380 -30.9%
Wyoming $1,094 -$134 -10.9%

View Chart as Image

Toyota Venza insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can be from 42% to 136% more than the average policy. View High Risk Driver Rates

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 $1,228 $102
Toyota Venza AWD 4-Dr $1,228 $102

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 $306 $542 $390 $1,396
2023 Toyota Venza $294 $536 $398 $1,386
2022 Toyota Venza $284 $524 $416 $1,382
2021 Toyota Venza $274 $502 $430 $1,364
2020 Toyota Venza $260 $484 $442 $1,344
2019 Toyota Venza $250 $450 $452 $1,310
2018 Toyota Venza $240 $424 $456 $1,278
2017 Toyota Venza $230 $380 $460 $1,228
2016 Toyota Venza $214 $350 $460 $1,182
2013 Toyota Venza $186 $284 $474 $1,102
2012 Toyota Venza $182 $258 $478 $1,076
2010 Toyota Venza $160 $214 $474 $1,006

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 Best Cheap Toyota Venza Insurance

Saving money on insurance for a Toyota Venza requires being a safe and courteous driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a quick review of the primary concepts that were presented in the illustrations above.

  • You may be able to save up to $140 per year just by shopping early and online
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,430 more every year for auto insurance
  • Increasing deductibles can save around $400 each year
  • Teenage drivers pay higher rates, as much as $396 per month for full coverage

Rates by Driver Age

Toyota Venza Insurance Rates by Driver Age
Driver Age Premium
16 $4,754
20 $2,826
30 $1,264
40 $1,228
50 $1,122
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,494
$250 $1,370
$500 $1,228
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,228
50/100 $1,320
100/300 $1,435
250/500 $1,734
100 CSL $1,366
300 CSL $1,619
500 CSL $1,803

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Venza Insurance Rates for High Risk Drivers
Age Premium
16 $6,746
20 $4,504
30 $2,698
40 $2,654
50 $2,536
60 $2,514

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 $170

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $84
5-yr Claim Free $79
Paid in Full/EFT $51
Advance Quote $58
Online Quote $86
Total Discounts $508
Rate after discounts $720

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

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