Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive costs an estimated $214, collision insurance costs $350, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,554. Teenage drivers cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

The examples above highlight why everyone should get quotes for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below breaks down average Toyota Venza insurance rates for other coverage scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $130 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,182
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,428
• Drivers who are prone to accidents and violations could pay up to $2,554
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,612 each year

View Chart as Image

Auto insurance rates for a Toyota Venza also range considerably based on the model of your Venza, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 in extra premium every year, depending on your age. Toyota Venza insurance for high-risk drivers ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Venza insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $380 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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 Right Toyota Venza Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a quick rundown of the material that was presented in the illustrations above.

• Consumers who want higher levels of liability will pay an extra $510 per year to raise limits from a 30/60 limit to the 250/500 level
• Teenage drivers are the costliest to insure, with premiums being up to $384 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions could be charged and average of $1,370 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $375 each year