Toyota Venza Insurance Rates
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UPDATED: Apr 20, 2024
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U.S. average insurance prices for a Toyota Venza are $1,278 every 12 months with full coverage. Comprehensive insurance costs approximately $240 each year, collision insurance costs $424, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,768 or more. 16-year-old drivers pay the highest rates at up to $4,920 a year.
Average premium for full coverage: $1,278
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Venza models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Venza insurance prices range from the cheapest price of $508 for basic liability insurance to a high rate of $2,768 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location and their own driving history, 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.
Rate Comparisons
The chart below details average Toyota Venza insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $743
- Using higher $1,000 deductibles will save $152 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,278
- Buying low deductibles for physical damage coverage costs an extra $290 annually
- High-risk insureds with multiple tickets or accidents could pay around $2,768
- The price to insure a 16-year-old driver can cost $4,920 or more
Car 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.
Opting for high physical damage deductibles could cut prices by as much as $450 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,900 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 $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average rate. 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 $920 a year in states like Utah, Ohio, and New Hampshire, or at least $1,730 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,312 | $34 | 2.7% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $862 | -$416 | -32.6% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,888 | $610 | 47.7% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,054 | -$224 | -17.5% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,044 | -$234 | -18.3% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,538 | $260 | 20.3% |
| Utah | $948 | -$330 | -25.8% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $766 | -$512 | -40.1% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Venza 2WD 4-Dr | $1,278 | $107 |
| Toyota Venza AWD 4-Dr | $1,278 | $107 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Venza | $322 | $562 | $372 | $1,414 |
| 2023 Toyota Venza | $306 | $542 | $390 | $1,396 |
| 2022 Toyota Venza | $294 | $536 | $398 | $1,386 |
| 2021 Toyota Venza | $284 | $524 | $416 | $1,382 |
| 2020 Toyota Venza | $274 | $502 | $430 | $1,364 |
| 2019 Toyota Venza | $260 | $484 | $442 | $1,344 |
| 2018 Toyota Venza | $250 | $450 | $452 | $1,310 |
| 2017 Toyota Venza | $240 | $424 | $456 | $1,278 |
| 2016 Toyota Venza | $230 | $380 | $460 | $1,228 |
| 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 insurance for a Toyota Venza requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a condensed summary of the data that was raised in the charts and tables above.
- You may be able to save around $150 per year just by quoting online in advance
- Insureds who purchase higher liability limits will pay around $500 every year to increase from a low limit to a 250/500 level
- Teenagers pay the highest auto insurance prices, costing up to $410 a month if the policy includes full coverage
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,490 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,920 |
| 20 | $2,952 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,483 |
| 250/500 | $1,780 |
| 100 CSL | $1,415 |
| 300 CSL | $1,666 |
| 500 CSL | $1,848 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,704 |
| 30 | $2,814 |
| 40 | $2,768 |
| 50 | $2,646 |
| 60 | $2,622 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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