Toyota Venza Insurance Rates
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UPDATED: Jun 5, 2023
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Average auto insurance rates for a Toyota Venza are $1,156 annually for full coverage insurance. Comprehensive costs an estimated $206 each year, collision costs $328, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing around $2,500. Teens receive the highest rates at $4,536 a year or more.
Average premium for full coverage: $1,156
Rate estimates broken down by individual coverage type:
Includes $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Venza models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $514 for liability-only coverage to a high rate of $2,500 for high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using 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 illustrates estimated Toyota Venza insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $684
- Using higher $1,000 deductibles will save approximately $120 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,156
- Selecting low deductibles for physical damage coverage will cost $1,390
- Higher-risk drivers with serious driving violations could pay up to $2,500 or more
- The cost with full coverage for a teenage driver can cost as much as $4,536 or more
Car insurance rates for a Toyota Venza can also vary considerably based on the trim level of your Venza, your risk profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,560 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $962 | -$194 | -16.8% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,320 | $164 | 14.2% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,190 | $34 | 2.9% |
| Delaware | $1,310 | $154 | 13.3% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,068 | -$88 | -7.6% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $870 | -$286 | -24.7% |
| Iowa | $782 | -$374 | -32.4% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,578 | $422 | 36.5% |
| Louisiana | $1,712 | $556 | 48.1% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $928 | -$228 | -19.7% |
| Michigan | $2,010 | $854 | 73.9% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,386 | $230 | 19.9% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,242 | $86 | 7.4% |
| Nebraska | $914 | -$242 | -20.9% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,026 | -$130 | -11.2% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $668 | -$488 | -42.2% |
| North Dakota | $948 | -$208 | -18.0% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,104 | -$52 | -4.5% |
| Rhode Island | $1,544 | $388 | 33.6% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $976 | -$180 | -15.6% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,396 | $240 | 20.8% |
| Utah | $858 | -$298 | -25.8% |
| Vermont | $794 | -$362 | -31.3% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $802 | -$354 | -30.6% |
| Wyoming | $1,032 | -$124 | -10.7% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Venza 2WD 4-Dr | $1,156 | $96 |
| Toyota Venza AWD 4-Dr | $1,156 | $96 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Toyota Venza | $206 | $328 | $464 | $1,156 |
| 2012 Toyota Venza | $202 | $306 | $474 | $1,140 |
| 2010 Toyota Venza | $182 | $258 | $478 | $1,076 |
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 the Cheapest Toyota Venza Insurance
Saving money on auto insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a recap of the material that was raised in the charts and tables above.
- Consumers who want higher levels of liability will pay approximately $510 annually to increase from a minimum limit to higher 250/500 limits
- Teenage drivers have the highest car insurance rates, costing up to $378 per month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents may pay on average $1,340 more annually for auto insurance
- Increasing deductibles could save up to $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,536 |
| 20 | $2,660 |
| 30 | $1,188 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,390 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,249 |
| 100/300 | $1,365 |
| 250/500 | $1,666 |
| 100 CSL | $1,295 |
| 300 CSL | $1,550 |
| 500 CSL | $1,736 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,422 |
| 20 | $4,240 |
| 30 | $2,534 |
| 40 | $2,500 |
| 50 | $2,390 |
| 60 | $2,368 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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