Toyota Venza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 20, 2024
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Average insurance prices for a Toyota Venza are $1,228 every 12 months including full coverage. Comprehensive costs on average $230 each year, collision insurance costs $380, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $2,654. Teens receive the highest rates at up to $4,754 a year.
Average premium for full coverage: $1,228
Rate estimates by individual coverage type:
Includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Venza models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $510 for minimum levels of liability insurance to a high rate of $2,654 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.
These examples highlight why all drivers should get quotes based on a specific location and their own driving history, 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 breaks down average Toyota Venza insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $720
- Choosing higher $1,000 deductibles can save around $140 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,228
- Selecting low deductibles for comp and collision coverage increases the price to $1,494
- Higher-risk drivers with serious driving violations could pay upwards of $2,654
- The cost to insure a 16-year-old driver may cost $4,754 each year
Auto insurance rates for a Toyota Venza can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Venza.
Choosing higher comprehensive and collision insurance deductibles can save as much as $410 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 136% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Toyota Venza Insurance
Saving money on insurance for a Toyota Venza takes being a safe and courteous driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $140 per year just by quoting online in advance
- Drivers considered higher risk that have major violations or accidents may pay on average $1,430 more each year for auto insurance
- Increasing deductibles could save as much as $400 each year
- Teenage drivers are charged the highest rates, as much as $396 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,494 |
| $250 | $1,370 |
| $500 | $1,228 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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