Toyota Venza Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 20, 2024
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U.S. average auto insurance rates for a Toyota Venza are $1,228 annually including full coverage. Comprehensive costs an estimated $230 each year, collision costs $380, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,654. Teens pay the highest rates at $4,754 a year or more.
Average premium for full coverage: $1,228
Price estimates broken down by individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Venza models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Venza insurance prices go from as cheap as $510 for basic liability insurance to a high rate of $2,654 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Toyota Venza insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $720
- Raising to $1,000 deductibles will save approximately $140 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,228
- Selecting low deductibles will cost $1,494
- Drivers with serious driving violations could pay up to $2,654 or more
- The price with full coverage for a 16-year-old driver can cost as much as $4,754
Car insurance prices for a Toyota Venza are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $410 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Toyota Venza insurance prices. A middle-age driver might find prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,750 on average in Louisiana, 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.
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 Buy the Right Toyota Venza Insurance
Getting lower rates on insurance for a Toyota Venza consists of being safe and accident-free, having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick rundown of the information raised in the charts and tables above.
- You may be able to save approximately $140 per year simply by quoting online in advance
- Youthful drivers have the highest car insurance prices, possibly costing $396 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $400 each year
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,430 more annually than a low-risk driver
- Insureds who want more liability protection will pay approximately $510 per year to raise from a low limit to higher 250/500 limits
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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