Online Toyota Venza Insurance Rates [Cheap Coverage Guide]

Average Toyota Venza insurance rates cost $112 per month ($1,344 per year). Teens pay the highest rates at up to $4,912 a year, while good drivers may only pay $790.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 31, 2020

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Key Takeaways:

  • Full coverage costs around $1,344 a year or $112 each month
  • A liability-only policy costs around $539 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,912 a year or $409 each month
  • Good drivers can save as much as $554 a year by earning policy discounts
  • Toyota Venza insurance costs around $175 less per year than the average vehicle

Toyota Venza insurance rates cost drivers an average of $1,344 a year, or around $112 per month. Good drivers can save up to $554 every year on Toyota Venza rates by qualifying for policy discounts. Learn helpful tips right here in this guide to get Toyota Venza insurance rates that you can feel confident about.

You can start comparing quotes for Toyota Venza car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Venza Insurance Cost

The average Toyota Venza auto insurance rates are $1,344 a year or $112 a month.

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Are Toyota Venzas Expensive to Insure?

The chart below details how Toyota Venza insurance rates compare to other crossovers like the Cadillac XT4, Toyota C-HR, and Honda HR-V.

Vehicle Comprehensive Collision Liability Total
Cadillac XT4 $362 $656 $316 $1,470
Toyota C-HR $254 $452 $258 $1,074
Honda HR-V $294 $532 $372 $1,356
Mazda CX-3 $308 $500 $372 $1,338
BMW X6 $432 $834 $398 $1,822
Nissan Murano $294 $512 $390 $1,354
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Venza Insurance?

The Toyota Venza trim and model you choose will affect the total price you will pay for Toyota Venza insurance coverage.

Age of the Vehicle

The average Toyota Venza car insurance rates are higher for newer models. For example, car insurance for a 2015 Toyota Venza costs $1,344, while 2010 Toyota Venza insurance costs are $1,156, a difference of $188.

Model Year Comprehensive Collision Liability Total
2015 Toyota Venza $260 $484 $442 $1,344
2014 Toyota Venza $250 $450 $452 $1,310
2013 Toyota Venza $240 $424 $456 $1,278
2012 Toyota Venza $230 $380 $460 $1,228
2011 Toyota Venza $214 $350 $460 $1,182
2010 Toyota Venza $206 $328 $464 $1,156
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Driver Age

Driver age can have a significant impact on Toyota Venza auto insurance rates. For example, 20-year-old drivers pay approximately $1,644 more each year for their Toyota Venza auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Venza insurance rates. For example, drivers in New York may pay $820 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Toyota Venza car insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Venza car insurance with violations on their driving record.

Toyota Venza Safety Ratings

Your Toyota Venza car insurance rates are tied to the safety ratings of the Toyota Venza. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota Venza Crash Test Ratings

Good Toyota Venza crash test ratings can lower your Toyota Venza auto insurance rates. See Toyota Venza crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Toyota Venza 5 Stars 4 Stars 5 Stars 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Venza Safety Features

Toyota Venza safety features can lower the cost of your insurance. The safety features for the 2020 Toyota Venza include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control

Toyota Venza Insurance Loss Probability

The Toyota Venza’s insurance loss probability varies between different coverage types. The lower percentage means lower Toyota Venza auto insurance costs; higher percentages mean higher Toyota Venza auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -7%
Property Damage 2%
Comprehensive -14%
Personal Injury 15%
Medical Payment 10%
Bodily Injury -7%
Source: Insurance Institute for Highway Safety
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Toyota Venza Finance and Insurance Cost

If you are financing a Toyota Venza, most lenders will require your carry higher Toyota Venza coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Venza auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Toyota Venza Insurance

You have more options at your disposal to save money on your Toyota Venza auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Toyota Venza car insurance rates

  • Check the Odometer on Your Toyota Venza
  • Remove Young Drivers from Your Toyota Venza Insurance Plan
  • Ask About a Student Away from Home Discount
  • Get Toyota Venza Auto Insurance Through Costco
  • Talk to Your Credit Card Company to Save on Rental Car Costs

Top Toyota Venza Insurance Companies

Who is the best auto insurance company for Toyota Venza insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Venza auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Venza offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Venza Insurance Quotes Online

To start comparing Toyota Venza car insurance quotes for free, use our online car insurance comparison tool.

  • The Venza is no longer being produced, but there are many opportunities to buy a used one
  • The Venza was equipped with many safety features
  • Rate comparison of insurance companies is a great way to ensure you’re getting the right policy for your situation

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When you’ve just spent a great amount of money on your Toyota Venza. Now, you need to be sure that you have the right type of insurance.

The Venza’s last model year was 2015, so you can’t buy a new one, but there are plenty of used ones available.

Read through this guide to Toyota Venza auto insurance costs and then be sure to enter your ZIP code above to compare car insurance quotes from many top car insurance companies!

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What Determines Your Car Insurance Rates?

Car insurance rates can vary based on a number of different variables. It’s essential as a driver that you know what is going to help lower (or raise) your insurance rate.

When you begin shopping for car insurance for your Toyota Venza, it’s important that you know more than just the make and model of your new vehicle.

There are some important features that come on your Venza that will be helpful in lowering your car insurance rate.

What Are Standard Toyota Venza Rate Lowering Features?

As a well-informed buyer, you should know of the various features of the Venza that will play a part in reducing the car insurance rates (i.e. more safety features = lower car insurance costs). Some of these standard features include:

  • Fog lamps
  • UV reduction glass windshield
  • Rear window defogger and intermittent wiper so you will always have a clear view out of your rear window
  • LCD Distance-to-empty display to tell you how far you have to go before you run out of gas, so there is no more guessing when the gas light comes on
  • Power door locks with automatic shift activator, so the doors lock as soon as you shift into drive
  • Auto-dimming rearview mirror with compass to tell you which direction you’re headed
  • Enhanced Stability Control to assist you in maintaining control of the vehicle in difficult weather conditions
  • Traction Control that automatically detects when the vehicle is losing traction
  • Anti-lock Brakes
  • Brake Assist for emergency braking
  • Advanced Airbag System
  • Active headrests for the driver and passenger that help reduce the risk of whiplash
  • Tire Pressure Monitoring System that tells you when the tires are low on pressure
  • Hill Start Assist Control that helps you accelerate more easily when parked on an incline
  • Energy-absorbing crumple zones to protect your passengers during a collision
  • Side-impact door beams
  • Three-point seatbelts
  • Child LATCH system to secure your most precious cargo in the rear seat
  • Collapsible steering column that will reduce the risk of leg damage during a collision

What Are Optional Toyota Venza Rate Lowering Features?

All of the features mentioned above come standard on your new Toyota Venza. There are many features that can be added to your Toyota Venza that can help lower your car insurance rate.

You should consider adding optional features as well. Some of these optional features include:

  • Power rear door with jam protection
  • Hands-free phone capabilities
  • Backup camera to ensure that your path is clear before you put the vehicle in reverse
  • Wheel locks
  • Emergency assistance kit

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How Can I Find Toyota Venza Car Insurance Rate Quotes?

Toyota Venza auto insurance rates vary from region to region and differ depending on the individual’s situation. It’s essential to shop around when looking for car insurance.

Enter your ZIP code to start comparing free Toyota Venza auto insurance rates online now!

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Average Monthly Car Insurance Rates by State