Toyota Venza Insurance Rates
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UPDATED: May 12, 2022
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The average auto insurance rates for a Toyota Venza are $1,156 annually with full coverage. Comprehensive insurance costs an estimated $206 each year, collision insurance costs $328, and liability is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers costs $2,500 or more. 16-year-old drivers cost the most to insure at up to $4,536 a year.
Average premium for full coverage: $1,156
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Venza models.
Price Range Variability
For the normal driver, Toyota Venza insurance rates range from as cheap as $514 for just liability coverage to a high rate of $2,500 for a driver who requires high-risk insurance.
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 fewer collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.
The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.
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.
Detailed Rate Analysis
The chart below details average Toyota Venza insurance rates for other coverage scenarios.
- The best full coverage rate is $684
- Raising to $1,000 deductibles will save approximately $120 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,156
- Buying low deductibles costs an additional $234 annually
- Drivers with multiple tickets or accidents could pay up to $2,500
- Policy cost with full coverage for a 16-year-old driver can cost as much as $4,536
Insurance rates for a Toyota Venza also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $360 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Venza insurance prices. A middle-age driver might find rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,560 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $962 | -$194 | -16.8% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,320 | $164 | 14.2% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,190 | $34 | 2.9% |
| Delaware | $1,310 | $154 | 13.3% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,068 | -$88 | -7.6% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $870 | -$286 | -24.7% |
| Iowa | $782 | -$374 | -32.4% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,578 | $422 | 36.5% |
| Louisiana | $1,712 | $556 | 48.1% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $928 | -$228 | -19.7% |
| Michigan | $2,010 | $854 | 73.9% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,386 | $230 | 19.9% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,242 | $86 | 7.4% |
| Nebraska | $914 | -$242 | -20.9% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,026 | -$130 | -11.2% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $668 | -$488 | -42.2% |
| North Dakota | $948 | -$208 | -18.0% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,104 | -$52 | -4.5% |
| Rhode Island | $1,544 | $388 | 33.6% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $976 | -$180 | -15.6% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,396 | $240 | 20.8% |
| Utah | $858 | -$298 | -25.8% |
| Vermont | $794 | -$362 | -31.3% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $802 | -$354 | -30.6% |
| Wyoming | $1,032 | -$124 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Venza 2WD 4-Dr | $1,156 | $96 |
| Toyota Venza AWD 4-Dr | $1,156 | $96 |
Rates assume 2013 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 |
|---|---|---|---|---|
| 2013 Toyota Venza | $206 | $328 | $464 | $1,156 |
| 2012 Toyota Venza | $202 | $306 | $474 | $1,140 |
| 2010 Toyota Venza | $182 | $258 | $478 | $1,076 |
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 Cheap Toyota Venza Insurance
Finding cheaper rates on insurance for a Toyota Venza consists of avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief summary of the concepts that were presented in the illustrations above.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,340 more annually to insure a Toyota Venza
- Drivers under the age of 20 are charged the highest rates, as much as $378 each month including comprehensive and collision insurance
- You may be able to save approximately $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- You may be able to save approximately $130 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,536 |
| 20 | $2,660 |
| 30 | $1,188 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,390 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,249 |
| 100/300 | $1,365 |
| 250/500 | $1,666 |
| 100 CSL | $1,295 |
| 300 CSL | $1,550 |
| 500 CSL | $1,736 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,422 |
| 20 | $4,240 |
| 30 | $2,534 |
| 40 | $2,500 |
| 50 | $2,390 |
| 60 | $2,368 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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