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 for full coverage insurance. Comprehensive costs approximately $230 each year, collision costs $380, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,654. 16-year-old drivers receive the highest rates at $4,754 a year or more.

Average premium for full coverage: $1,228

Rate estimates by individual coverage type:

Comprehensive $230
Collision $380
Liability $460

These estimates include $500 deductible amounts, 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

For the average 40-year-old driver, prices range go from as low as $510 for liability-only coverage to a high rate of $2,654 for high-risk insurance.

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

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance prices.

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

These examples illustrate why all drivers should compare prices using their specific location and risk profile, rather than using rate averages.

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 additional coverage and risk scenarios.

  • The best full coverage rate is $720
  • Using higher $1,000 deductibles will save $140 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,228
  • Buying low deductibles for physical damage coverage will increase the cost to $1,494
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,654 or more
  • The cost for full coverage for a teenage driver can cost $4,754 or more

View Chart as Image

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

Insurance rates for a Toyota Venza can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,660 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could cut rates by as much as $410 a year, whereas increasing liability limits will push rates upward. Switching 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 probably paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 136% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 Cheap Toyota Venza Insurance

Saving money on auto insurance requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a brief summary of the material that was touched on in this article.

  • Consumers who purchase increased levels of liability coverage will pay around $510 annually to increase from a minimum limit to 250/500 limits
  • Drivers age 20 and younger are expensive to insure, costing up to $396 per month for full coverage
  • Drivers that tend to have accidents or serious violations may pay on average $1,430 more per year to buy Toyota Venza insurance
  • Increasing deductibles can save around $400 each year

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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