Toyota Venza Insurance Rates

The average insurance prices for a Toyota Venza are $1,182 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $214 each year, collision insurance costs $350, and liability insurance is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,554 or more. Teens cost the most to insure at up to $4,612 a year.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Venza models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

The chart below illustrates average Toyota Venza insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $130 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,182
• Selecting low deductibles costs an extra $246 a year
• Higher-risk drivers with serious driving violations could pay up to $2,554
• Policy cost to insure a teen driver can cost as much as $4,612

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Venza insurance rates. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,600 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Affordable Toyota Venza Insurance

Finding cheaper rates on Toyota Venza insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the information covered above.

• It is possible to save approximately $140 per year just by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $384 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,370 more annually than a driver with a clean driving record
• Drivers who want additional liability coverage will pay approximately $510 annually to raise from a 30/60 limit to a 250/500 level