Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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Average auto insurance rates for a Toyota Venza are $1,228 annually for full coverage insurance. Comprehensive costs around $230 each year, collision costs $380, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,654. Teens receive the highest rates at $4,754 a year or more.

Average premium for full coverage: $1,228

Rate estimates for individual coverage type:

Comprehensive $230
Collision $380
Liability $460

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Venza models.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $510 for your basic liability-only policy to a high rate of $2,654 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,228
High Risk $2,654

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $921
Small Cities $1,289
Large Cities $1,658

These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, 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.

More Rate Information

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

  • The cheapest rate after discounts is $720
  • Drivers who choose higher $1,000 deductibles will pay about $140 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,228
  • Selecting low deductibles for comprehensive and collision insurance will cost $1,494
  • Drivers with serious driving violations could pay at least $2,654 or more
  • The cost with full coverage for a 16-year-old driver can be $4,754 a year

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing full coverage Toyota Venza insurance rates range from $720 to $4,754

Auto insurance rates for a Toyota Venza can also vary considerably based on the trim level of your Venza, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $410 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Venza insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,660 on average in Michigan, New York, and Florida.

Toyota Venza Insurance Rates by State
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%

View Chart as Image

Toyota Venza insurance rates by U.S. city

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Toyota Venza Insurance Rates by Model and Trim Level
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.

Toyota Venza Insurance Rates by Model Year
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 Buy More Affordable Toyota Venza Insurance

Saving money on insurance for a Toyota Venza not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a summary of the ideas that were touched on above.

  • Drivers age 20 and younger are expensive to insure, costing up to $396 per month if full coverage is included
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,430 more every year to buy Toyota Venza insurance
  • Increasing deductibles could save up to $400 each year
  • It is possible to save up to $140 per year simply by quoting online in advance

Rates by Driver Age

Toyota Venza Insurance 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

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,494
$250 $1,370
$500 $1,228
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
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

Toyota Venza Insurance 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.

SR-22 Surcharge $170

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
Rate after discounts $720

Discounts are estimated and may not be available from every company or in every state.

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