Toyota Venza Car Insurance Cost for 2022

How much does Toyota Venza car insurance cost? We compared the LE, XLE and Limited models to the rest of the midsize SUV market to see how average insurance rates rank.

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  • Toyota Venza insurance costs $1,424 per year for a full coverage policy, depending on the trim level.
  • The Toyota Venza is one of the cheaper midsize SUVs to insure, costing $120 less per year on average as compared to other midsize SUVs
  • The Venza LE trim level is the cheapest to insure at around $1,378 per year. The most expensive trim is the Limited at $1,474 per year.

How much does Toyota Venza car insurance cost?

Toyota Venza insurance averages around $1,424 a year for full coverage, or $119 each month. Plan on paying about $120 less annually to insure a Toyota Venza compared to the midsize SUVs average rate, and $143 less per year than the $1,567 average for all vehicles.

The following chart shows how average Toyota Venza car insurance rates vary depending on driver age and coverage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Toyota Venza with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Venza trim levels.Data last updated on September 13, 2022
Average Toyota Venza Insurance Cost
Toyota Venza Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,396$200
$500$2,834$236
$250$3,298$275
30$1,000$1,258$105
$500$1,502$125
$250$1,760$147
40$1,000$1,200$100
$500$1,424$119
$250$1,660$138
50$1,000$1,096$91
$500$1,300$108
$250$1,510$126
60$1,000$1,078$90
$500$1,276$106
$250$1,482$124

Other notable rates and policy discounts available for Toyota Venza auto insurance include:

  • Venza insurance rates for teenagers are high. Average rates for full coverage Venza insurance costs $5,090 per year for a 16-year-old driver, $4,764 per year for a 17-year-old driver, and $4,450 per year for a 18-year-old driver.
  • Find cheaper rates by qualifying for policy discounts. Discounts may be available if the insureds insure their home and car with the same company, are senior citizens, are accident-free, work in certain occupations, take a defensive driving course, or many other policy discounts which could save the average driver as much as $240 per year on the cost of insuring a Toyota Venza.
  • Careless drivers have higher insurance rates. Being the cause of frequent accidents will raise rates, potentially by an additional $1,992 per year for a 20-year-old driver and as much as $432 per year for a 60-year-old driver.
  • Obey driving laws to save money. If you want to receive the lowest-priced Venza insurance rates, it pays to follow the law. Just one or two speeding tickets have the potential to raise policy rates by up to $372 per year.
  • Young males pay a lot more for insurance. For a 2022 Toyota Venza, a 20-year-old male driver pays an average rate of $2,834 per year, while a 20-year-old female will pay an average of $2,100, a difference of $734 per year in the women’s favor by a large margin. But by age 50, male rates are $1,300 and the rate for females is $1,274, a difference of only $26.
  • Improve your credit to save money. In states that have insurance regulations that allow credit ratings to be used as a price factor, having an excellent credit score over 800 could save $224 per year compared to a decent credit rating of 670-739. Conversely, a subpar credit score could cost as much as $259 more per year.
  • As driver age goes up, rates trend downward. The difference in insurance cost on a 2022 Venza between a 60-year-old driver ($1,276 per year) and a 20-year-old driver ($2,834 per year) is $1,558, or a savings of 55%.

How does Venza insurance compare to similar vehicles?

When compared directly to popular models in the midsize SUV segment, Toyota Venza car insurance costs $256 less per year than the Jeep Grand Cherokee, $110 less than the Toyota Highlander, $10 less than the Ford Explorer, and $268 less than the Jeep Cherokee.

The Toyota Venza ranks #6 out of 29 comparison vehicles in the midsize SUV class. The Venza costs an average of $1,424 per year for insurance and the segment average is $1,544 annually, a difference of $120 per year.

The chart below shows where the average cost of insurance for a Venza lands amongst the top 10 most popular midsize SUVs in America.

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Chart Data Details: Average rates are for a 2022 model year Toyota Venza, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Venza trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Toyota Venza vs Top 10 Midsize SUVs Insurance Rate Comparison
Toyota Venza Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,224-$200
2Subaru Ascent$1,310-$114
3Ford Edge$1,374-$50
4Subaru Outback$1,398-$26
5Nissan Murano$1,416-$8
6Toyota Venza$1,424--
7Ford Explorer$1,434$10
8Kia Sorento$1,444$20
9Hyundai Palisade$1,462$38
10Volkswagen Atlas$1,472$48
11Toyota 4Runner$1,488$64
12Volkswagen Atlas Cross Sport$1,528$104
13Mazda CX-9$1,530$106
14GMC Acadia$1,532$108
15Toyota Highlander$1,534$110
16Nissan Pathfinder$1,540$116
17Honda Pilot$1,546$122
18Mitsubishi Outlander Sport$1,548$124
19Buick Enclave$1,562$138
20Chevrolet Traverse$1,568$144
21Hyundai Santa Fe$1,590$166
22Kia Telluride$1,596$172
23Chevrolet Blazer$1,610$186
24Jeep Grand Cherokee$1,680$256
25Jeep Cherokee$1,692$268
26Mitsubishi Outlander PHEV$1,768$344
27Dodge Durango$1,788$364
28Tesla Model Y$1,804$380
29Rivian R1S$1,902$478

What is the cheapest Toyota Venza insurance?

The cheapest model of Toyota Venza to insure is the base LE at an estimated $1,378 per year, or about $115 per month. The second cheapest model is the XLE at $1,424 per year, and the third cheapest trim (and most expensive) to insure is the Limited at $1,474 per year.

Toyota Venza XLE Hybrid
Toyota emblem on front of 2021 Toyota Venza XLE Hybrid

The table below shows the average car insurance rates for annual and 6-month policy terms, in addition to a monthly insurance rate, for each 2022 Toyota Venza package and trim level.

2022 Toyota Venza Insurance Cost by Trim Level
Toyota Venza Trim Level Annual Policy 6-month Policy Per Month
LE$1,378$689$115
XLE$1,424$712$119
Limited$1,474$737$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Venza, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Toyota Venza Insurance Cost by Trim Level

Do new Venza models cost more to insure?

A new 2022 Venza is definitely more expensive than an older model to insure. A 2015 Venza costs around $1,278 per year for insurance, $146 less per year than the 2022 Venza rate of $1,424.

The following data table illustrates average insurance cost data for a Toyota Venza for various Toyota Venza model years and driver age groups. Insurance rates range from a minimum of $902 for a 60-year-old driver rated on a 2014 Toyota Venza to the most expensive rate of $2,834 for a 20-year-old driving a 2022 model year.

Toyota Venza Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,834$1,502$1,424$1,300$1,276
2021$3,108$1,640$1,556$1,420$1,394
2015$2,560$1,332$1,278$1,168$1,146
2014$1,988$1,054$1,006$918$902
2013$2,248$1,176$1,134$1,038$1,018

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Toyota Venza Insurance Cost by Model Year