Toyota Venza Insurance Rates

Estimated insurance rates for a Toyota Venza are $1,182 a year including full coverage. Comprehensive costs an estimated $214, collision costs $350, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,554. Teenage drivers pay the most at $4,612 a year or more.

Average premium for full coverage: $1,182

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Venza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated 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 40-year-old good driver who has $500 deductibles is $1,182
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,428
• High-risk insureds who are prone to accidents and violations could pay up to $2,554 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,612 each year

View Chart as Image

Auto insurance prices for a Toyota Venza also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Where you choose to live 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 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 the Best Cheap Toyota Venza Insurance

Finding better rates on Toyota Venza insurance takes being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare prices once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick review of the data that was touched on above.

• You may be able to save approximately $140 per year simply by shopping early and online
• Drivers who want more liability coverage will pay an extra $510 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are the costliest to insure, with the cost nearing $384 per month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,370 more annually to insure their Venza