Toyota Venza Insurance Rates

Estimated auto insurance rates for a Toyota Venza are $1,182 annually for full coverage. Comprehensive costs approximately $214, collision costs $350, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,554. Teenage drivers pay the most at $4,612 a year or more.

Average premium for full coverage: $1,182

Premium estimates by type of coverage:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Venza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

The chart below shows estimated Toyota Venza insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save $130 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,182
• Using more expensive low deductibles will cost $1,428
• Unlucky drivers who are prone to accidents and violations could pay around $2,554 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,612

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Insurance prices for a Toyota Venza also have a wide range based on the model of your Venza, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $380 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Venza insurance rates. A middle-age driver might find prices as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy Cheaper Toyota Venza Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below is a condensed summary of the primary concepts that were touched on above.

• Drivers can save around $140 per year simply by shopping early and online
• Drivers with multiple at-fault accidents pay on average $1,370 more per year for auto insurance
• Increasing policy deductibles could save up to $375 each year
• Teenage drivers are expensive to insure, as much as $384 per month including comprehensive and collision insurance