Toyota Venza Insurance Rates
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Michelle Robbins
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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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Estimated insurance prices for a Toyota Venza are $1,228 every 12 months for full coverage insurance. Comprehensive costs approximately $230, collision costs $380, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing around $2,654. Teens pay the most at $4,754 a year or more.
Average premium for full coverage: $1,228
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Venza trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Venza go from the cheapest price of $510 for basic liability insurance to a much higher rate of $2,654 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Toyota Venza insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $720
- Using higher $1,000 deductibles will save $140 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,228
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,494
- Higher-risk drivers with serious driving violations could pay around $2,654 or more
- An auto insurance policy to insure a teenage driver with full coverage can cost $4,754 or more
Car insurance prices for a Toyota Venza also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Venza.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $410 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can be around 42% to 136% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different.
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 Shop for Cheaper Toyota Venza Insurance
Finding better rates on auto insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The next list is a condensed summary of the primary concepts that were touched on in this article.
- It is possible to save around $140 per year simply by shopping early and online
- Drivers with multiple at-fault accidents may have to pay on average $1,430 more per year to buy Toyota Venza insurance
- Increasing policy deductibles could save as much as $400 each year
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $396 per 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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