Toyota Venza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $206
Collision $328
Liability $464

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.

Liability Only $514
Full Coverage $1,156
High Risk $2,500

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.

Rural Areas $867
Small Cities $1,214
Large Cities $1,561

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

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing full coverage Toyota Venza insurance rates range from $684 to $4,536

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.

Toyota Venza Insurance Rates by State
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%

View Chart as Image

Toyota Venza insurance rates by U.S. city

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

Toyota Venza Insurance Rates by Model and Trim Level
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.

Toyota Venza Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Venza Insurance 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

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,390
$250 $1,282
$500 $1,156
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
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

Toyota Venza Insurance 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.

SR-22 Surcharge $159

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
Rate after discounts $684

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

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