Toyota Venza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,494 |
| $250 | $1,370 |
| $500 | $1,228 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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