Toyota Venza Insurance Rates

Average insurance rates for a Toyota Venza are $1,278 a year for full coverage. Comprehensive costs on average $240 a year, collision costs $424, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,768. Teenage drivers receive the highest rates at $4,920 a year or more.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Venza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

These examples show why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Toyota Venza insurance rates for different risk profiles and scenarios.

• The best discount rate is $743
• Using higher $1,000 deductibles will save around $1,126 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,278
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,568
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,768 or more
• The cost for full coverage for a teenage driver may cost $4,920 or more

View Chart as Image

Auto insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the trim level of your Venza, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you live has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $450 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 More Affordable Toyota Venza Insurance

Saving money on auto insurance requires being safe and accident-free, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Below you'll find a summary of the car insurance concepts touched on in this article.

• Drivers who have multiple accidents or major violations will pay on average $1,490 more each year than a low-risk driver
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing deductibles can save around $450 each year
• Consumers who require more liability protection will pay an extra $500 each year to increase from a minimum limit to 250/500 limits