Best Toyota Venza Auto Insurance in 2025 (Find the Top 10 Companies Here)

When looking for the best Toyota Venza auto insurance, Allstate, USAA, and Erie are top providers with rates starting at $22 per month. Based on a detailed Toyota Venza review, Allstate emerges as the top pick for its excellent coverage and value. Compare these options to find the best deal for your Toyota Venza car insurance.

The article also covers how vehicle year affects auto insurance rates, providing insights into how the age of your Toyota Venza influences your premiums. For those wondering, “is Toyota Venza a good car,” this aspect helps optimize your insurance costs.

Our Top 10 Company Picks: Best Toyota Venza Auto Insurance

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#1 – Allstate: Top Overall Pick

Pros

• Comprehensive Coverage Options: Allstate offers extensive coverage options for the Toyota Venza, including comprehensive, collision, and liability coverage. This ensures robust protection tailored to your Venza’s needs, helping you secure peace of mind on the road.
• Discount Programs: Allstate provides several discounts that can lower your Toyota Venza insurance premium, such as multi-policy discounts and safe driver discounts. Their usage-based insurance program, Drivewise, also rewards safe driving behaviors.
• Good Customer Service: Allstate is known for its responsive customer service and efficient claims process. This reliability is beneficial if you need to make a claim for your Toyota Venza, ensuring a smoother and more stress-free experience. Learn more details in our page, Allstate auto insurance review.

Cons

• Higher Premiums: Allstate’s rates for Toyota Venza insurance are among the higher in the market, at $228 per month. This might be less favorable compared to more affordable options like Erie or USAA.
• Limited Discount Availability: While Allstate offers discounts, they may not be as extensive or tailored for specific needs like some competitors. For example, they may lack discounts specific to Toyota Venza owners or high-mileage drivers.

#2 – USAA: Best for Teen Discounts

Pros

• Affordable Premiums: USAA offers some of the lowest insurance rates for Toyota Venza, at just $32 per month. This competitive pricing can significantly reduce your overall insurance costs.
• Excellent Customer Service: USAA is renowned for its outstanding customer service and support, which is beneficial for Toyota Venza owners seeking reliable and efficient insurance management and claims processing.
• Tailored Discounts: As outlined in our USAA auto insurance review, USAA provides numerous discounts, including those for military members and their families, which can further lower the already affordable rates for Toyota Venza insurance.

Cons

• Eligibility Restrictions: USAA insurance is exclusively available to military members, veterans, and their families. This limitation means that many potential Toyota Venza owners may not qualify for their services.
• Limited Local Agent Network: USAA operates primarily online or via phone, which might be less convenient for Toyota Venza owners who prefer face-to-face interactions with local agents.

#3 – Erie: Best for High-Risk Coverage

Pros

• Low Premiums: Erie offers very competitive rates for Toyota Venza insurance at $83 per month. This low-cost option makes it a budget-friendly choice for comprehensive vehicle protection.
• Broad Coverage Options: Erie provides a wide range of coverage options for the Toyota Venza, including comprehensive and collision coverage, which ensures that various aspects of your vehicle are well-protected.
• Strong Customer Satisfaction: As outlined in our Erie auto insurance review, Erie is known for high customer satisfaction ratings, making it a reliable choice for Toyota Venza owners looking for excellent service and a hassle-free claims process.

Cons

• Limited Nationwide Availability: Erie’s services are not available in all states, which might limit access for some Toyota Venza owners who live in areas where Erie does not operate.
• Basic Online Tools: Erie’s online tools and mobile app may not be as advanced or user-friendly as those of some competitors, potentially making it less convenient for tech-savvy Toyota Venza owners.

#4 – Travelers: Best for Tailored Policies

Pros

• Competitive Pricing: Travelers offers a reasonable monthly rate of $141 for Toyota Venza insurance, providing a balance between affordability and comprehensive coverage options.
• Diverse Coverage Options: Travelers provides a range of coverage options, including comprehensive, collision, and liability, tailored to the needs of Toyota Venza owners.
• Numerous Discounts: As mentioned in our Travelers auto insurance review, Travelers offers various discounts, such as safe driver and multi-policy discounts, which can help reduce the overall cost of Toyota Venza insurance.

Cons

• Higher Rates for Certain Drivers: Travelers’ rates may be higher for younger or high-risk drivers, which could make it less competitive for some Toyota Venza owners with these profiles.
• Customer Service Variability: While generally good, Travelers’ customer service experiences can vary. Some Toyota Venza owners might find inconsistencies in service quality and claims processing.

#5 – Farmers: Best for Exclusive Benefits

Pros

• Customizable Coverage: Farmers offers customizable insurance plans for Toyota Venza, allowing owners to tailor coverage to their specific needs, including optional add-ons for enhanced protection. Check their rates in our Farmers auto insurance review.
• Wide Range of Discounts: Farmers provides various discounts, such as bundling and safe driving discounts, which can help lower your Toyota Venza insurance premiums.
• Local Agents: Farmers has a large network of local agents, making it easier for Toyota Venza owners to get personalized assistance and support.

Cons

• Higher Monthly Premiums: Farmers’ monthly premiums for Toyota Venza insurance are relatively high at $198, which might be less attractive compared to more affordable options like Erie or USAA.
• Complex Policy Options: The range of coverage options and add-ons can be complex, potentially making it challenging for some Toyota Venza owners to understand and select the best policy for their needs.

#6 – Geico: Best for Organization Discount

Pros

• Affordable Premiums: As outlined in our Geico auto insurance review, Geico offers a competitive monthly rate of $114 for Toyota Venza insurance, making it an affordable option for comprehensive coverage.
• Efficient Online Services: Geico’s robust online tools and mobile app provide easy access to policy management and claims filing, which is convenient for tech-savvy Toyota Venza owners.
• Good Discounts: Geico offers various discounts, such as for safe driving and multi-policy, which can help reduce the cost of insurance for your Toyota Venza.

Cons

• Limited Personalized Service: Geico’s focus on online and phone services means that there may be less opportunity for personalized assistance compared to insurance companies with a stronger local agent presence for Toyota Venza drivers.
• Customer Service Issues: While generally efficient, some Toyota Venza owners may experience delays or issues with customer service, which can be frustrating during claims or policy adjustments.

#7 – Dairyland: Best for Bundling Policies

Pros

• Flexible Payment Options: Dairyland provides flexible payment options for Toyota Venza insurance, which can be beneficial for those needing customizable payment plans.
• High-Risk Driver Coverage: Dairyland specializes in providing coverage for high-risk drivers, which could be advantageous if you have a less-than-perfect driving record and own a Toyota Venza.
• Broad Coverage Options: As mentioned in our Dairyland auto insurance review, Dairyland offers a wide range of coverage options, including comprehensive and collision coverage, tailored to the needs of Toyota Venza owners.

Cons

• Expensive Premiums: Dairyland’s monthly premiums are significantly higher at $339 for Toyota Venza owners, which might be less appealing for those looking for more cost-effective insurance solutions.
• Limited Discounts: Dairyland may offer fewer discounts compared to competitors, which could result in higher overall insurance costs for Toyota Venza owners.

#8 – Safeco: Best for Coverage Options

Pros

• Affordable Rates: Safeco provides competitive rates of $101 per month for Toyota Venza insurance, making it a cost-effective choice for comprehensive coverage.
• Discount Opportunities: Safeco offers various discounts, including those for bundling policies and safe driving, which can help lower your Toyota Venza insurance premiums.
• Strong Financial Ratings: As outlined in Safeco auto insurance review, Safeco has strong financial ratings, indicating a reliable ability to handle claims and provide stable coverage for Toyota Venza owners.

Cons

• Mixed Customer Service Reviews: Safeco’s customer service can be inconsistent, with some Toyota Venza owners reporting difficulties in claims processing and support.
• Limited Coverage Customization: Safeco may offer fewer options for customizing your Toyota Venza policy compared to some competitors, which could be a drawback for those needing specific coverage features.

#9 – American Family: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: American Family offers a wide range of coverage options for Toyota Venza, including comprehensive, collision, and liability, ensuring robust protection.
• Multiple Discounts Available: American Family provides several discount opportunities, such as safe driver and multi-policy discounts, which can help reduce insurance costs for Toyota Venza owners.
• Local Agent Network: As outlined in American Family auto insurance review, American Family has a strong network of local agents, providing personalized service and support for Toyota Venza insurance needs.

Cons

• Higher Premiums: At $166 per month, American Family’s premiums are higher compared to more affordable options like Erie or USAA, which might be less attractive for budget-conscious Toyota Venza owners.
• Potential for Policy Increases: Some Toyota Venza owners may experience rate increases over time, which could affect long-term affordability and planning.

#10 – Nationwide: Best for Specialized Coverage

Pros

• Competitive Rates: Nationwide offers competitive insurance rates at $164 per month for Toyota Venza, providing a balance of affordability and comprehensive coverage.
• Extensive Discount Options: Nationwide provides numerous discounts, such as for safe driving and multi-policy, which can help lower the cost of Toyota Venza insurance.
• Strong Financial Stability: Nationwide’s solid financial stability ensures reliable coverage and support, giving Toyota Venza owners confidence in their insurance provider. For more information, read our Nationwide auto insurance review.

Cons

• Customer Service Variability: Nationwide’s customer service quality can vary, with some Toyota Venza owners reporting inconsistent experiences with claims and support.
• Limited Online Tools: Nationwide’s online tools and mobile app may not be as advanced as those of some competitors, potentially making it less convenient for tech-savvy Toyota Venza owners.

Toyota Venza Insurance Cost

When insuring your Toyota Venza, it’s essential to compare rates across various insurance companies to find the best coverage at the most affordable price.

The table below compares monthly rates for minimum and full coverage auto insurance for a Toyota Venza from various providers.

Toyota Venza Auto Insurance Monthly Rates by Provider & Coverage Level

Understanding how various factors impact your Toyota Venza insurance rates can help you find the most cost-effective policy. The chart below compares insurance rates for different driver profiles and deductible levels.

Toyota Venza Auto Insurance Monthly Rates by Coverage Type

By considering these variables, you can tailor your insurance policy to suit your needs and budget, ensuring you get the best value for your money.

Why Toyota Venzas Insurance are Expensive

Insuring a Toyota Venza can be more costly compared to other crossovers due to several factors. The chart below illustrates how Toyota Venza insurance rates stack up against similar models like the Cadillac XT4, Hyundai Tucson, and Lincoln MKC.

Toyota Venza Auto Insurance Monthly Rates vs. Other Vehicles

Despite these higher costs, there are several strategies you can employ to find more affordable Toyota Venza insurance rates online. Comparing quotes, adjusting coverage levels, and taking advantage of discounts can all help reduce your premium.

Read More: Lincoln Auto Insurance 

Factors that influence the Cost of Toyota Venza Insurance

The cost of insuring a Toyota Venza can vary significantly based on several factors. Age is a primary determinant, with younger drivers typically facing higher rates due to their lack of experience and higher risk of accidents, while mature drivers with clean records often enjoy lower premiums.

Your home address also impacts costs, as urban areas with higher traffic and crime rates tend to have higher premiums compared to rural areas. Additionally, regions prone to extreme weather or natural disasters may see increased rates.

Age of the Vehicle

Older Toyota Venza models generally cost less to insure. This trend is evident across different model years, with rates decreasing as the vehicle’s age increases.

Toyota Venza Auto Insurance Monthly Rates by Age of the Vehicle

As the Toyota Venza ages, the decrease in insurance costs is attributed to the lower overall value of older models, which in turn reduces the amount insurers need to pay out in case of claims. Consequently, opting for an older model can be a cost-effective choice for insurance purposes.

Driver Age

The age of the driver significantly affects Toyota Venza auto insurance costs. For instance, 30-year-old drivers typically pay more than 40-year-old drivers for their insurance. This pattern shows a steady decline in rates as drivers age, with teen drivers facing the highest costs.

Toyota Venza Auto Insurance Monthly Rates by Age

Younger drivers, particularly teens, face higher insurance premiums due to their increased risk on the road. As drivers gain experience and maintain clean driving records, their insurance rates tend to decrease, making it more affordable to insure a Toyota Venza. Discover more about offerings in our article titled “Best Auto Insurance by Age.”

Driver Location

Where you live can have a substantial impact on Toyota Venza insurance rates. For example, drivers in New York may pay more annually than those in Seattle. This variation is influenced by regional factors such as traffic density, crime rates, and local insurance regulations.

Toyota Venza Auto Insurance Monthly Rates by City

Insurance costs can vary widely based on geographic location, reflecting the different risk levels associated with each area. Urban areas with higher traffic and accident rates typically see higher insurance premiums compared to rural locations.

Your Driving Record

Your driving record plays a crucial role in determining the cost of Toyota Venza auto insurance. Younger drivers, especially those in their 20s, experience the highest increases in insurance costs with traffic violations or accidents on their record.

Toyota Venza Auto Insurance Monthly Rates by Age & Driving Record

Maintaining a clean driving record is essential for keeping insurance rates low. Violations and accidents indicate higher risk to insurers, leading to increased premiums, especially for less experienced drivers.

Safety Ratings

Toyota Venza’s insurance rates are influenced by its safety ratings. The Insurance Institute for Highway Safety provides ratings for various safety tests, with the Toyota Venza generally receiving good ratings in moderate overlap front, side, roof strength, and head restraints and seats.

Toyota Venza Safety Ratings

High safety ratings contribute to lower insurance costs as they indicate a reduced risk of injury in the event of an accident. Vehicles with strong safety performance are less likely to result in costly claims, benefiting both insurers and policyholders.

Crash Test Ratings

The Toyota Venza has received strong crash test ratings, with an overall rating of 5 stars from the National Highway Traffic Safety Administration. These high ratings include 4 stars for both frontal and rollover tests and 5 stars for side tests.

Toyota Venza Crash Test Ratings

Excellent crash test ratings can lead to lower insurance premiums, as they signify a safer vehicle with a lower likelihood of severe damage and injury in accidents. This can make the Toyota Venza a more affordable option to insure.

Toyota Venza Safety Features

The Toyota Venza safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota Venza has the following safety features:

• Air Bags: Includes driver, passenger, front head, rear head, and front side air bags.
• Braking System: Features 4-wheel ABS, 4-wheel disc brakes, and brake assist.
• Safety Features: Equipped with electronic stability control, traction control, and child safety locks.
• Visibility Enhancements: Daytime running lights and integrated turn signal mirrors.
• Additional Features: Includes front and rear head air bags and various other safety enhancements.

The Toyota Venza’s comprehensive safety features not only enhance driver and passenger protection but can also contribute to lower insurance premiums. Investing in a Venza offers peace of mind on the road and potential savings on your insurance costs.

Loss Probability

The lower percentage means lower Toyota Venza auto insurance rates; higher percentages mean higher Toyota Venza auto insurance rates. Insurance loss probability on the Toyota Venza fluctuates between each type of coverage.

Toyota Venza Auto Insurance Loss Probability

The Toyota Venza’s insurance loss probabilities reveal how different types of coverage can influence your premium costs. For instance, while medical payments coverage shows a higher rate at 10%, which can slightly increase your premiums, categories with lower loss rates, such as collision and comprehensive, can lead to more favorable insurance rates.

By understanding these fluctuations, you can better manage your insurance expenses and potentially enjoy lower premiums overall.

Toyota Venza Finance and Insurance Cost

If you are financing a Toyota Venza, you will pay more if you purchase Toyota Venza auto insurance at the dealership, so be sure to shop around and compare Toyota Venza auto insurance quotes from the best companies using our free tool below. Unlock details in our article titled “Where to Compare Auto Insurance Rates.”

Ways to Save on Toyota Venza Insurance

There are many ways that you can save on Toyota Venza auto insurance. Below are five actions you can take to find cheap Toyota Venza auto insurance rates.

• Work with a direct insurer instead of an insurance broker for your Toyota Venza.
• Ask for a new Toyota Venza auto insurance rate based on your improved credit score.
• Ask about discounts for people with disabilities.
• Ask about farm and ranch vehicle discounts.
• Park your Toyota Venza somewhere safe – like a garage or private driveway.

Discover the variety of car insurance discounts offered by top providers for Toyota Venza to help you save on your premiums. Discover insights in our guide titled “Auto Insurance Premium Defined.”

These discounts from top insurance providers for Toyota Venza offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.

Top Toyota Venza Insurance Companies

The best auto insurance companies for Toyota Venza auto insurance rates will offer competitive rates, discounts, and account for the Toyota Venza’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

Top 10 Toyota Venza Auto Insurance Providers by Market Share

Additionally, consider factors such as customer service, claim handling, and coverage options to ensure you select a provider that meets all your needs. By thoroughly researching and comparing your options, you can secure the most comprehensive and cost-effective insurance for your Toyota Venza.

Save on your Toyota Venza auto insurance rates by taking advantage of our free comparison tool.