Toyota Venza Insurance Rates

U.S. average insurance rates for a Toyota Venza are $1,182 a year with full coverage. Comprehensive costs an estimated $214 each year, collision costs $350, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,554. Teenage drivers pay the highest rates at $4,612 a year or more.

Average premium for full coverage: $1,182

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Venza models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why all drivers should compare prices 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 details estimated Toyota Venza insurance rates for other coverage scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save approximately $130 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,182
• Using low deductibles for physical damage coverage bumps up the cost to $1,428
• Drivers who are prone to accidents and violations could pay up to $2,554 or more
• The price that insures a teen driver can cost as much as $4,612 or more

View Chart as Image

Insurance prices for a Toyota Venza are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $380 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite 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 Low Cost Toyota Venza Insurance

Getting lower rates on Toyota Venza insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices every other policy renewal by requesting rates from direct companies, and also from insurance agencies where you live.

The following items are a review of the ideas that were covered above.

• 16 to 18-year-old drivers are charged the highest prices, costing up to $384 a month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,370 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $375 each year
• You may be able to save approximately $140 per year simply by quoting online in advance