Toyota Venza Insurance Rates

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UPDATED: Apr 20, 2024

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U.S. average insurance rates for a Toyota Venza are $1,228 a year with full coverage. Comprehensive costs approximately $230 a year, collision insurance costs $380, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,654. 16-year-old drivers pay the highest rates at up to $4,754 a year.

Average premium for full coverage: $1,228

Price estimates by individual coverage:

Comprehensive $230
Collision $380
Liability $460

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Venza trim levels.

Price Range from Low to High

For the average driver, Toyota Venza insurance prices range from the low end price of $510 for liability-only coverage to a high of $2,654 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

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

The ranges above demonstrate why it is important to compare prices using their specific location, instead of using rate averages.

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 Charts and Tables

The chart below details average Toyota Venza insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $720
  • Using higher $1,000 deductibles will save $1,088 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,228
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,494
  • Drivers with multiple tickets or accidents could pay around $2,654
  • The price that insures a teen driver can cost $4,754 or more

View Chart as Image

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

Auto insurance prices for a Toyota Venza are also quite variable based on the trim level of your Venza, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,660 on average in New York, Michigan, 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

Opting for high physical damage deductibles could cut prices by as much as $410 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

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 Find the Best Toyota Venza Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop at least once a year by obtaining price quotes from direct companies, and also from local insurance agencies.

The list below is a brief recap of the primary concepts that were touched on above.

  • You may be able to save around $140 per year just by quoting early and online
  • Higher risk drivers who tend to receive serious violations may have to pay on average $1,430 more per year for car insurance
  • Increasing physical damage deductibles can save approximately $400 each year
  • Teenagers have the highest car insurance prices, costing up to $396 a month if the policy includes full coverage

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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