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. Comprehensive insurance costs an estimated $202 each year, collision insurance costs $306, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,458 or more. Teens pay the highest rates at up to $4,486 a year.
Average premium for full coverage: $1,140
Price estimates broken down by individual coverage:
Prices are based on $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Venza models.
Price Range from Low to High
For a driver around age 40, Toyota Venza insurance prices range from as low as $522 for minimum levels of liability insurance to a high rate of $2,458 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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 Rate Details
The chart below shows average Toyota Venza insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $678
- Raising to $1,000 deductibles will save approximately $116 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,140
- Selecting low deductibles will cost an extra $220 annually
- Drivers with serious driving violations could pay up to $2,458
- The price for full coverage for a 16-year-old driver can cost as much as $4,486
Auto insurance prices for a Toyota Venza are also quite variable based on your driving record, the trim level of your Venza, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age
The state you live in also has a big influence on Toyota Venza insurance prices. A middle-age driver might find prices as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,630 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 137% more than the average policy. View High Risk Driver Rates
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 Affordable Toyota Venza Insurance
Getting lower rates on insurance for a Toyota Venza consists of not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief review of the primary concepts that were covered above.
- Drivers can save approximately $130 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,320 more annually for Venza insurance
- Increasing physical damage deductibles can save around $325 each year
- Teens are the costliest to insure, with premiums as much as $374 a month if they have full coverage
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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