Toyota Venza Insurance Rates

The average insurance rates for a Toyota Venza are $1,182 a year with full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $350, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,554 or more. Teenage drivers 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:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Venza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $1,052 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,182
• Using low $100 deductibles will cost an extra $246 annually
• Drivers who are prone to accidents and violations could pay up to $2,554 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,612

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Venza insurance prices. A middle-age driver might find rates 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 can reduce rates by up to $380 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Toyota Venza Insurance

Finding cheaper rates on insurance for a Toyota Venza consists of being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,370 more annually to insure their Venza
• Increasing comprehensive and collision deductibles can save around $375 each year
• Teen drivers are expensive to insure, as much as $384 each month including comprehensive and collision insurance