Toyota Venza Insurance Rates

The average auto insurance rates for a Toyota Venza are $1,182 annually including full coverage. Comprehensive costs an estimated $214, collision costs $350, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,554. Teen 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:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Venza models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

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

The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save approximately $130 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,182
• Choosing pricier low deductibles for physical damage coverage will cost $1,428
• Drivers with multiple violations and an at-fault accident could pay up to $2,554 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,612 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, you are likely paying $1,400 to $2,000 additional every year, depending on your age. Toyota Venza insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $380 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Venza insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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 regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied between companies.

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 Buy the Right Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a quick rundown of the material that was covered above.

• Drivers who want more liability coverage will pay about $510 per year to increase from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $384 each month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more annually to insure their Venza
• Increasing comprehensive and collision deductibles could save up to $375 each year