Toyota Venza Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average insurance rates for a Toyota Venza are $1,140 a year for full coverage insurance. Comprehensive costs on average $202, collision costs $306, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,458. 16-year-old drivers pay the highest rates at $4,486 a year or more.
Average premium for full coverage: $1,140
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Venza models.
Price Range from Low to High
For a 40-year-old driver, Toyota Venza insurance prices go from as low as $522 for basic liability insurance to the much higher price of $2,458 for high-risk insurance.
Geographic Price Range
Where you live can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.
The example below illustrates how your location can change car insurance rates.
The ranges above illustrate why everyone should compare prices based on a specific location and risk profile, instead of 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.
Rate Comparisons
The chart below illustrates estimated Toyota Venza insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $678
- Using higher $1,000 deductibles will save around $116 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,140
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,360
- Drivers with multiple tickets or accidents could pay upwards of $2,458 or more
- The price for full coverage for a teen driver for full coverage may cost $4,486 or more
Car insurance prices for a Toyota Venza are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age
The state you live in has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,540 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Toyota Venza insurance for high-risk drivers can be as much as 42% to 137% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheaper Toyota Venza Insurance
Getting lower rates on car insurance requires having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a condensed summary of the material that was illustrated above.
- Policyholders who require increased levels of liability coverage will pay around $520 annually to increase from a low limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, as much as $374 a month if full coverage is included
- Higher risk drivers with multiple at-fault accidents pay an average of $1,320 more each year to buy Toyota Venza insurance
- Increasing physical damage deductibles can save around $325 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,258 |
| $500 | $1,140 |
| $1,000 | $1,024 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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