Toyota Venza Insurance Rates

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

Average premium for full coverage: $1,228

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Venza trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated 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 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,228
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,494
• Drivers who are prone to accidents and violations could pay upwards of $2,654 or more
• The price that insures a teen driver may cost $4,754 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $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 a normal policy. 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 much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards 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 $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $410 every year, while buying higher liability limits will cost you more. Switching 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

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 Affordable Toyota Venza Insurance

Getting lower rates on car insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $140 per year simply by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,430 more each year to buy Toyota Venza insurance
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers age 20 and younger are charged the highest prices, as much as $396 a month if the policy includes full coverage