Toyota Venza Insurance Rates

Estimated insurance rates for a Toyota Venza are $1,228 a year for full coverage insurance. Comprehensive insurance costs around $230 each year, collision costs $380, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $2,654 or more. Teenage drivers pay the most at $4,754 a year or more.

Average premium for full coverage: $1,228

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Venza models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates estimated Toyota Venza insurance rates for additional coverage choices and driver risks.

• The best discount rate is $720
• Choosing higher $1,000 deductibles can save about $140 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,228
• Using low deductibles for comp and collision coverage will cost an additional $266 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,654 or more
• An auto insurance policy that insures a teen driver can be $4,754 each year

View Chart as Image

Insurance prices for a Toyota Venza also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Venza insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $410 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap Toyota Venza Insurance

Finding better rates on car insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the material that was presented in the illustrations above.

• Policyholders who may need an increased level of liability coverage will pay an extra $510 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $396 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,430 more every year than a safer driver
• Increasing policy deductibles can save approximately $400 each year