Toyota Venza Insurance Rates
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Michelle Robbins
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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 $1,182 every 12 months with full coverage. Comprehensive insurance costs approximately $214 each year, collision insurance costs $350, and liability insurance costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $2,554 or more. Teens receive the highest rates at up to $4,612 a year.
Average premium for full coverage: $1,182
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Venza models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $510 for minimum levels of liability insurance to a high rate of $2,554 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.
These examples demonstrate why all drivers should compare rates using their specific location and their own driving history, rather than relying 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 details average Toyota Venza insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $698
- Drivers who choose higher $1,000 deductibles will pay $130 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,182
- Selecting low deductibles for comprehensive and collision insurance costs an extra $246 a year
- High risk drivers with serious driving violations could pay around $2,554
- The cost to insure a teen driver can cost $4,612 a year
Insurance rates for a Toyota Venza can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Venza.
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Toyota Venza insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,600 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$112 | -9.5% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $982 | -$200 | -16.9% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,336 | $154 | 13.0% |
| Florida | $1,478 | $296 | 25.0% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $848 | -$334 | -28.3% |
| Idaho | $800 | -$382 | -32.3% |
| Illinois | $880 | -$302 | -25.5% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $796 | -$386 | -32.7% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,052 | $870 | 73.6% |
| Minnesota | $990 | -$192 | -16.2% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,270 | $88 | 7.4% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,418 | $236 | 20.0% |
| New Hampshire | $852 | -$330 | -27.9% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,048 | -$134 | -11.3% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $680 | -$502 | -42.5% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,126 | -$56 | -4.7% |
| Rhode Island | $1,578 | $396 | 33.5% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $996 | -$186 | -15.7% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $874 | -$308 | -26.1% |
| Vermont | $808 | -$374 | -31.6% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $916 | -$266 | -22.5% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,052 | -$130 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Venza 2WD 4-Dr | $1,182 | $99 |
| Toyota Venza AWD 4-Dr | $1,182 | $99 |
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 | $294 | $536 | $398 | $1,386 |
| 2023 Toyota Venza | $284 | $524 | $416 | $1,382 |
| 2022 Toyota Venza | $274 | $502 | $430 | $1,364 |
| 2021 Toyota Venza | $260 | $484 | $442 | $1,344 |
| 2020 Toyota Venza | $250 | $450 | $452 | $1,310 |
| 2019 Toyota Venza | $240 | $424 | $456 | $1,278 |
| 2018 Toyota Venza | $230 | $380 | $460 | $1,228 |
| 2017 Toyota Venza | $214 | $350 | $460 | $1,182 |
| 2016 Toyota Venza | $206 | $328 | $464 | $1,156 |
| 2013 Toyota Venza | $182 | $258 | $478 | $1,076 |
| 2012 Toyota Venza | $170 | $236 | $474 | $1,038 |
| 2010 Toyota Venza | $154 | $192 | $468 | $972 |
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 Affordable Toyota Venza Insurance
Saving money on Toyota Venza insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the car insurance concepts illustrated above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,370 more per year to buy Toyota Venza insurance
- You may be able to save around $140 per year just by quoting online in advance
- Increasing deductibles could save as much as $375 each year
- Drivers who purchase increased levels of liability coverage will pay approximately $510 every year to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,612 |
| 20 | $2,720 |
| 30 | $1,216 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,060 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,428 |
| $250 | $1,314 |
| $500 | $1,182 |
| $1,000 | $1,052 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,274 |
| 100/300 | $1,389 |
| 250/500 | $1,688 |
| 100 CSL | $1,320 |
| 300 CSL | $1,573 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,536 |
| 20 | $4,334 |
| 30 | $2,594 |
| 40 | $2,554 |
| 50 | $2,442 |
| 60 | $2,420 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $484 |
Discounts are estimated and may not be available from every company or in every state.
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