Toyota Venza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 5, 2023

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U.S. average insurance prices for a Toyota Venza are $1,140 every 12 months with full coverage. Comprehensive costs approximately $202, collision insurance costs $306, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,458. Teens pay the highest rates at up to $4,486 a year.

Average premium for full coverage: $1,140

Price estimates by individual coverage:

Comprehensive $202
Collision $306
Liability $474

Rates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Venza models.

Price Range from Low to High

For a middle-aged driver, Toyota Venza insurance prices range from the cheapest price of $522 for basic liability insurance to the much higher price of $2,458 for a high risk driver.

Liability Only $522
Full Coverage $1,140
High Risk $2,458

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion. The example below illustrates the effect of location on auto insurance prices.

Rural Areas $855
Small Cities $1,197
Large Cities $1,539

The ranges above demonstrate why everyone should compare prices using their specific location and their own driving history, instead of using averaged prices.

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.

Rate Comparisons

The chart below details average Toyota Venza insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $678
  • Using higher $1,000 deductibles will save $116 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,140
  • Selecting pricier low deductibles for physical damage coverage increases the price to $1,360
  • Drivers with serious driving violations could pay around $2,458
  • The price to insure a teen driver for full coverage can cost $4,486 or more

View Chart as Image

Toyota Venza insurance cost comparison chart
Column chart showing Toyota Venza insurance rates range from $678 to $4,486 for full coverage

Auto insurance prices for a Toyota Venza are also quite variable based on deductibles and policy limits, your driving record, and the model of your Venza.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. Toyota Venza insurance for high-risk drivers can be as much as 42% to 137% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Toyota Venza insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,540 on average in New York, Michigan, and Florida.

Toyota Venza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,030 -$110 -9.6%
Alaska $872 -$268 -23.5%
Arizona $946 -$194 -17.0%
Arkansas $1,140 -$0 0.0%
California $1,298 $158 13.9%
Colorado $1,088 -$52 -4.6%
Connecticut $1,172 $32 2.8%
Delaware $1,290 $150 13.2%
Florida $1,426 $286 25.1%
Georgia $1,050 -$90 -7.9%
Hawaii $818 -$322 -28.2%
Idaho $768 -$372 -32.6%
Illinois $848 -$292 -25.6%
Indiana $856 -$284 -24.9%
Iowa $768 -$372 -32.6%
Kansas $1,084 -$56 -4.9%
Kentucky $1,554 $414 36.3%
Louisiana $1,684 $544 47.7%
Maine $702 -$438 -38.4%
Maryland $938 -$202 -17.7%
Massachusetts $912 -$228 -20.0%
Michigan $1,978 $838 73.5%
Minnesota $954 -$186 -16.3%
Mississippi $1,364 $224 19.6%
Missouri $1,012 -$128 -11.2%
Montana $1,224 $84 7.4%
Nebraska $898 -$242 -21.2%
Nevada $1,366 $226 19.8%
New Hampshire $820 -$320 -28.1%
New Jersey $1,274 $134 11.8%
New Mexico $1,008 -$132 -11.6%
New York $1,200 $60 5.3%
North Carolina $656 -$484 -42.5%
North Dakota $934 -$206 -18.1%
Ohio $786 -$354 -31.1%
Oklahoma $1,172 $32 2.8%
Oregon $1,044 -$96 -8.4%
Pennsylvania $1,088 -$52 -4.6%
Rhode Island $1,520 $380 33.3%
South Carolina $1,030 -$110 -9.6%
South Dakota $962 -$178 -15.6%
Tennessee $998 -$142 -12.5%
Texas $1,374 $234 20.5%
Utah $844 -$296 -26.0%
Vermont $780 -$360 -31.6%
Virginia $684 -$456 -40.0%
Washington $882 -$258 -22.6%
West Virginia $1,044 -$96 -8.4%
Wisconsin $790 -$350 -30.7%
Wyoming $1,016 -$124 -10.9%

View Chart as Image

Toyota Venza insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Venza Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Venza 2WD 4-Dr $1,140 $95
Toyota Venza AWD 4-Dr $1,140 $95

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.

Toyota Venza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Toyota Venza $202 $306 $474 $1,140
2012 Toyota Venza $186 $284 $474 $1,102
2010 Toyota Venza $170 $236 $474 $1,038

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 Shop for Cheaper Toyota Venza Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to shop around at least every two years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the information that was covered in this article.

  • Increasing physical damage deductibles could save as much as $325 each year
  • You may be able to save around $130 per year just by quoting online well ahead of the renewal date
  • Policyholders who purchase more liability coverage will pay approximately $520 every year to increase from a low limit to a 250/500 level
  • Teen drivers have the highest car insurance prices, costing up to $374 a month if comprehensive and collision insurance is included
  • Higher risk drivers that have multiple accidents or serious violations could be forced to pay on average $1,320 more per year to insure their Venza

Rates by Driver Age

Toyota Venza Insurance Rates by Driver Age
Driver Age Premium
16 $4,486
20 $2,614
30 $1,168
40 $1,140
50 $1,044
60 $1,022

Full coverage, $500 deductibles

Rates by Deductible

Toyota Venza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,258
$500 $1,140
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

Toyota Venza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,235
100/300 $1,353
250/500 $1,661
100 CSL $1,282
300 CSL $1,543
500 CSL $1,733

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Venza Insurance Rates for High Risk Drivers
Age Premium
16 $6,346
20 $4,168
30 $2,490
40 $2,458
50 $2,350
60 $2,326

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.

SR-22 Surcharge $156

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $462
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

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