Toyota Venza Insurance Rates
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Michelle Robbins
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UPDATED: Apr 20, 2024
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The average insurance rates for a Toyota Venza are $1,228 a year with full coverage. Comprehensive insurance costs on average $230 a year, collision insurance costs $380, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,654 or more. Teenage drivers cost the most to insure at up to $4,754 a year.
Average premium for full coverage: $1,228
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Venza trim levels.
Price Range Variability
For a driver around age 40, Toyota Venza insurance rates range from as low as $510 for just the minimum liability insurance to a high of $2,654 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than relying on average rates.
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 Analysis
The chart below details average Toyota Venza insurance rates for different risk profiles and scenarios.
- The best discount rate is $720
- Using higher $1,000 deductibles will save around $1,088 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,228
- Using low $100 deductibles for physical damage coverage will cost an extra $266 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,654
- Policy cost for full coverage for a teen driver may cost $4,754 or more
Insurance rates for a Toyota Venza also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age
Your home state has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see rates as low as $890 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,660 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could cut rates by as much as $410 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 136% more than a normal 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 | $1,228 | $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 Find the Best Cheap Toyota Venza Insurance
Finding cheaper rates on Toyota Venza insurance requires having a good driving record, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates at every policy renewal by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a quick review of the data covered above.
- Drivers who require increased levels of liability coverage will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits
- You may be able to save as much as $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $400 each year
- Drivers age 20 and younger pay the highest rates, as much as $396 each month for full coverage
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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