Toyota Venza Insurance Rates

The average insurance prices for a Toyota Venza are $1,182 every 12 months including full coverage. Comprehensive insurance costs an estimated $214, collision costs $350, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,554 or more. Teens cost the most to insure at $4,612 a year or more.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $130 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,182
• Selecting more expensive low deductibles costs an extra $246 a year
• Higher-risk drivers with serious driving violations could pay up to $2,554 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,612

View Chart as Image

Insurance rates for a Toyota Venza also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Venza insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied.

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 Shop for Low Cost Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $140 per year simply by shopping early and online
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,370 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $384 each month if full coverage is included