Cheap Toyota Venza Car Insurance in 2024 (Earn Savings With These 10 Companies)
State Farm, USAA, and Progressive are our leading choices for cheap Toyota Venza car insurance, with premiums for only $50 per month. These companies provide exceptional coverage options, making them ideal for Toyota Venza owners seeking affordable and dependable insurance for your peace of mind.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Sep 12, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Min. Coverage for Toyota Venza
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
6,435 reviewsCompany Facts
Min. Coverage for Toyota Venza
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Min. Coverage for Toyota Venza
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
State Farm, USAA, and Progressive offer the cheapest Toyota Venza car insurance, with rates starting at just $50 per month for comprehensive coverage.
If you’re considering purchasing a Toyota Venza, it’s important to understand the factors that influence the cost of car insurance for this vehicle.
Our Top 10 Company Picks: Cheap Toyota Venza Car Insurance
Company Rank Monthly Rates Good Driver Discount Best For Jump to Pros/Cons
#1 $50 20% Customer Service State Farm
#2 $65 20% Military Members USAA
#3 $83 15% Competitive Rates Progressive
#4 $98 10% Multi-Policy Savings Nationwide
#5 $118 10% Claims Satisfaction Allstate
#6 $129 10% Unique Benefits Liberty Mutual
#7 $148 15% IntelliDrive Program Travelers
#8 $156 15% Contractor Equipment Farmers
#9 $165 10% Client Centric Auto-Owners
#10 $180 20% Young Volunteers American Family
Toyota Venza insurance rates depend on factors like driving history and location. Key to costs is understanding collision vs. comprehensive car insurance: collision covers accidents, while comprehensive covers theft and other non-collision damage. Enter your ZIP code now.
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: State Farm offers competitive premiums starting at $50 per month, making it an economical choice for Toyota Venza owners looking for budget-friendly insurance.
- Extensive Network: With numerous local agents and offices, State Farm provides easy access to personalized service and support for Toyota Venza drivers across the country.
- Strong Financial Stability: Rated A++ by A.M. Best, State Farm’s financial strength ensures that Toyota Venza enthusiasts can trust their claims will be handled reliably, as highlighted in the State Farm insurance review & ratings.
Cons
- Limited Discounts: State Farm’s discount offerings primarily benefit drivers with clean records, which may not be as advantageous for Toyota Venza owners with less-than-perfect driving histories.
- Claims Processing Time: The claims handling process can be slower compared to some competitors, potentially causing delays for Toyota Venza drivers who need quick resolution.
#2 – USAA: Best for Military Members
Pros
- Exclusive Military Discounts: USAA provides tailored services and a generous good driver discount of 20% for military personnel and their families, making it an excellent choice for Toyota Venza owners with military connections.
- High Customer Satisfaction: With top-rated customer service, Toyota Venza drivers can expect excellent support and satisfaction from USAA.
- Comprehensive Coverage: USAA offers extensive coverage options, including gap insurance, which caters to the diverse needs of Toyota Venza enthusiasts, as noted in the USAA insurance review & ratings.
Cons
- Limited Eligibility: USAA’s services are restricted to military personnel and their families, excluding non-military Toyota Venza drivers.
- Fewer Physical Locations: The limited number of physical branches may reduce face-to-face service options for Toyota Venza owners who prefer in-person interactions.
#3 – Progressive: Best for Competitive Rates
Pros
- Usage-Based Discounts: Progressive’s Snapshot program rewards safe driving with potential discounts, which is advantageous for Toyota Venza owners who practice safe driving habits.
- Competitive Premiums: With rates starting at $83 per month, Progressive provides cost-effective options for Toyota Venza drivers.
- Broad Coverage Options: Progressive offers a variety of coverages including pet injury protection, catering to the specific needs of Toyota Venza enthusiasts, according to Progressive insurance review & ratings.
Cons
- Rate Increases: Premiums may increase after the initial policy term, which could be a concern for Toyota Venza drivers seeking long-term affordability.
- Variable Customer Service: Customer service experiences can be inconsistent, potentially impacting satisfaction for Toyota Venza owners.
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#4 – Nationwide: Best for Multi-Policy Savings
Pros
- Bundling Savings: Nationwide offers substantial savings for bundling home and auto insurance, which benefits Toyota Venza owners with multiple insurance needs.
- Vanishing Deductible Program: The program reduces deductibles over time for safe driving, providing rewards for Toyota Venza drivers, as noted in the Nationwide insurance review & ratings.
- Personalized Reviews: The On Your Side Review provides annual policy reviews to ensure optimal coverage, catering to the specific needs of Toyota Venza owners.
Cons
- Higher Rates for Violations: Rates can be higher for drivers with previous violations, which might limit affordability for Toyota Venza drivers with less-than-perfect records.
- State Variability: Coverage options and discounts vary by state, which could affect the consistency of benefits for Toyota Venza owners in different locations.
#5 – Allstate: Best for Claims Satisfaction
Pros
- Claims Satisfaction Guarantee: Allstate promises a satisfactory claims process, which is reassuring for Toyota Venza owners who value reliable claims handling.
- Comprehensive Coverage: Allstate provides various coverages including sound system insurance, catering to the specific needs of Toyota Venza enthusiasts.
- Local Agents: The extensive network of local agents ensures personalized service for Toyota Venza drivers who prefer face-to-face interactions.
Cons
- Higher Premiums: Starting at $118 per month, Allstate’s premiums can be higher compared to some competitors, which may impact affordability for Toyota Venza drivers, according to Allstate insurance review & ratings.
- Strict Underwriting: The underwriting process can be stringent, potentially limiting discounts for Toyota Venza owners with varied driving records.
#6 – Liberty Mutual: Best for Unique Benefits
Pros
- Unique Coverage Options: Liberty Mutual offers additional coverages such as new car replacement and better car replacement, which add value for Toyota Venza owners, as highlighted in the Liberty Mutual Review & Ratings.
- Accident Forgiveness: The accident forgiveness feature ensures that premiums do not increase after the first accident, providing peace of mind for Toyota Venza drivers.
- Customizable Policies: Liberty Mutual allows extensive policy customization, catering to the diverse needs of Toyota Venza enthusiasts.
Cons
- Mixed Customer Reviews: Liberty Mutual has received mixed reviews, which might affect overall satisfaction for Toyota Venza drivers.
- Higher Premiums: Premiums starting at $129 per month may be high for some drivers, which could be a concern for those seeking more affordable options.
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#7 – Travelers: Best for IntelliDrive Program
Pros
- Safe Driving Discounts: The IntelliDrive program rewards safe driving with potential discounts, which benefits Toyota Venza owners who are cautious drivers.
- New Car Discounts: Travelers offers discounts for new cars, making it a good choice for Toyota Venza drivers, as highlighted in the Travelers insurance review & ratings.
- Diverse Coverage Options: Various add-ons and coverage options are available, catering to the specific needs of Toyota Venza enthusiasts.
Cons
- Higher Premiums: Premiums starting at $148 per month can be on the higher side, which might be a concern for budget-conscious Toyota Venza drivers.
- Rate Adjustments: Rates may increase based on IntelliDrive data, potentially impacting Toyota Venza owners with varied driving habits.
#8 – Farmers: Best for Contractor Equipment
Pros
- Specialized Coverage: Farmers provides coverage for contractor equipment, which is beneficial for Toyota Venza drivers using their vehicle for business purposes.
- Wide Range of Policies: The variety of policy options offers flexibility for Toyota Venza owners.
- Multi-Policy Discounts: Savings are available for bundling home and auto insurance, which benefits Toyota Venza enthusiasts with multiple insurance needs.
Cons
- Higher Premiums: Starting at $156 per month, premiums can be higher compared to some other providers, potentially impacting affordability for Toyota Venza drivers, as highlighted in the Farmers insurance review & ratings.
- Limited Discounts: Compared to some competitors, Farmers offers fewer discount options, which may limit savings for Toyota Venza owners.
#9 – Auto-Owners: Best for Client Centric
Pros
- Client-Centric Service: Known for its personalized support, Auto-Owners provides excellent service for Toyota Venza owners.
- Competitive Rates: With premiums starting at $165 per month, Auto-Owners provides a cost-effective option for Toyota Venza drivers.
- Strong Reputation: Auto-Owners has a reputation for reliability and customer service, ensuring dependable coverage for Toyota Venza enthusiasts, according to Auto-Owners insurance review & ratings.
Cons
- Higher Premiums: Generally higher premiums compared to some competitors may not be ideal for budget-conscious Toyota Venza drivers.
- Limited Availability: Auto-Owners may not be available in all states, affecting access for Toyota Venza drivers in certain regions.
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#10 – American Family: Best for Young Volunteers
Pros
- Community Service Discounts: American Family offers discounts for young drivers involved in community service, which benefits Toyota Venza owners with younger drivers.
- Strong Customer Support: Known for reliable service, American Family provides dependable support for Toyota Venza drivers.
- Flexible Payment Plans: Various payment plans offer convenience and flexibility for Toyota Venza owners managing their insurance expenses.
Cons
- Higher Premiums: Premiums starting at $180 per month may be high, which could be a concern for those looking for more affordable options.
- Limited Discounts: Some discount options may not be as competitive compared to other insurers, potentially limiting savings for Toyota Venza drivers. Learn more through our American Family insurance review.
Understanding the Factors That Influence Toyota Venza Car Insurance Rates
When calculating car insurance rates for a Toyota Venza, insurance providers take into account several key factors. These include the vehicle’s make, model, and year, as well as its safety features and theft deterrent systems. The age and location of the vehicle owner, their driving record, and annual mileage also play a role in determining insurance rates.
Toyota Venza Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $118 $187
American Family $180 $252
Auto-Owners $165 $239
Farmers $156 $226
Liberty Mutual $129 $200
Nationwide $98 $174
Progressive $83 $161
State Farm $50 $148
Travelers $148 $213
USAA $65 $135
Additionally, insurance companies consider factors such as credit history, occupation, and the level of coverage desired. Another important factor that insurance providers consider when determining car insurance rates for a Toyota Venza is the usage of the vehicle.
Insurance companies may differentiate between personal use and commercial use of the car, with commercial use typically resulting in higher insurance premiums. This is because commercial use often involves more time on the road and increased exposure to potential accidents or damage.
Exploring the Average Cost of Insuring a Toyota Venza
The average cost of insuring a Toyota Venza can vary depending on numerous variables. On average, Toyota Venza car insurance costs around $50 to $180 per year. However, these rates can differ based on factors such as your age, location, driving record, and the coverage options you select, including comprehensive coverage.
It’s always a good idea to obtain personalized quotes from different insurance providers to ensure you receive the most accurate estimate. Additionally, the cost of insuring a Toyota Venza may also be influenced by the model year of the vehicle. Newer models may have higher insurance rates due to their higher value and potential repair costs.
On the other hand, older models may have lower insurance rates as they may be considered less valuable and have lower repair costs. It’s important to consider the specific details of your Toyota Venza, such as its trim level and any additional safety features, as these factors can also impact insurance rates.
Taking the time to research and compare insurance options can help you find the best coverage at the most affordable price. Enter your ZIP code now.
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Factors to Consider When Calculating Toyota Venza Car Insurance Premiums
Several factors contribute to the calculation of car insurance premiums for a Toyota Venza. One important factor is the vehicle’s value. Since the Toyota Venza is a mid-size crossover SUV, it may have a higher overall value compared to smaller sedans, which can result in higher insurance premiums. Additionally, the cost of replacement parts and repair for the Toyota Venza can influence insurance rates.
Another crucial factor is the level of coverage chosen. Liability coverage, which is required by law in most states, covers the cost of damages to other vehicles and property if you are at fault in an accident.
However, it does not cover any damages to your own vehicle. Comprehensive and collision coverage, on the other hand, provide protection for your Toyota Venza in the event of accidents, theft, or other covered perils. Choosing a higher coverage limit or adding optional coverage can result in higher premiums, making it essential to understand how much is car insurance when evaluating your coverage options.
Additionally, the driver’s personal factors can also impact the car insurance premiums for a Toyota Venza. Factors such as age, gender, and driving history can play a role in determining the risk level associated with insuring the vehicle. Younger drivers or those with a history of accidents or traffic violations may face higher insurance rates compared to older, more experienced drivers with clean records.
Furthermore, the location where the Toyota Venza is primarily driven and parked can affect insurance premiums. Areas with higher rates of accidents, theft, or vandalism may result in higher insurance costs. Similarly, urban areas with more traffic congestion and higher chances of accidents may also lead to increased premiums compared to rural or suburban areas with lower risk levels.
How Your Driving Record Affects the Price of Insuring a Toyota Venza
Your driving record is a crucial factor in determining car insurance rates, regardless of the vehicle you own. Insurance companies closely evaluate your driving history, including any past accidents, speeding tickets, or other traffic violations.
A clean driving record with no claims or violations is typically rewarded with lower insurance rates, while a history of accidents or traffic violations may result in higher premiums. When considering “how much insurance coverage do I need,” it’s important to understand that a poor driving record may necessitate higher coverage limits to adequately protect against potential liabilities.
Schimri Yoyo
Licensed Agent & Financial Advisor
When it comes to insuring a Toyota Venza specifically, there are a few additional factors that insurance companies take into consideration. One of these factors is the safety rating of the vehicle.
The Toyota Venza has a strong safety record, with features such as advanced driver assistance systems and a reinforced body structure. This can potentially lead to lower insurance rates, as the vehicle is considered less risky to insure. Enter your ZIP code now.
Frequently Asked Questions
What factors affect the cost of Toyota Venza car insurance?
The cost of Toyota Venza car insurance can be influenced by various factors such as the driver’s age, location, driving record, coverage options, deductible amount, and the insurance company’s pricing policies.
Are there any specific safety features on the Toyota Venza that can help lower insurance costs?
Yes, the Toyota Venza comes equipped with several safety features that may help reduce insurance costs. These features include advanced driver assistance systems, collision avoidance technology, lane departure warning, adaptive cruise control, and automatic emergency braking. Enter your ZIP code now.
Does the cost of Toyota Venza car insurance vary by location?
Yes, the cost of Toyota Venza car insurance can vary depending on the location. Factors such as the frequency of accidents, theft rates, population density, and local insurance regulations can all influence insurance premiums in different areas.
To find the most affordable rates, consider checking with the cheapest car insurance companies in your region, as they might offer competitive rates based on these local factors.
Are there any discounts available for Toyota Venza car insurance?
Yes, many insurance companies offer various discounts that can help lower the cost of Toyota Venza car insurance. These discounts may include safe driver discounts, multi-policy discounts, anti-theft device discounts, good student discounts, and loyalty discounts.
Is it possible to save money on Toyota Venza car insurance by increasing the deductible?
Increasing the deductible amount can often result in lower Toyota Venza car insurance premiums. However, it’s important to consider whether you can comfortably afford the higher deductible in the event of a claim. It’s advisable to weigh the potential savings against the potential out-of-pocket expenses. Enter your ZIP code now.
What are the benefits of State Farm’s coverage for Toyota Venza drivers?
State Farm offers competitive monthly rates starting at $50, making it an affordable choice for Toyota Venza owners. Additionally, their 20% good driver discount helps reduce premiums further, enhancing value for those with clean driving records.
For Toyota Venza owners, having liability insurance with State Farm can provide peace of mind, as it covers damages to others in case of an accident, while also benefiting from the company’s discount programs.
How does USAA’s military discount impact the cost of insurance for Toyota Venza owners?
USAA provides a 20% discount for military members, which significantly lowers the monthly cost of insuring a Toyota Venza to $65. This discount makes USAA a cost-effective option for military families seeking reliable coverage.
What discounts does Progressive offer to Toyota Venza enthusiasts through its Snapshot program?
Progressive’s Snapshot program offers personalized discounts based on driving behavior, potentially reducing Toyota Venza owners’ monthly premiums.
With rates starting at $83, the program rewards safe driving with lower costs and additional savings opportunities. Enter your ZIP code now.
How does Nationwide’s Vanishing Deductible program benefit Toyota Venza drivers?
Nationwide’s Vanishing Deductible program offers Toyota Venza drivers a $100 reduction in their deductible each year without a claim.
This benefit not only helps lower out-of-pocket costs in the event of a claim but also contributes to lowering my car insurance premium by rewarding claim-free years. By reducing the deductible, drivers can achieve greater financial protection and potentially lower overall insurance expenses.
What coverage options make Liberty Mutual a strong choice for Toyota Venza owners?
Liberty Mutual offers unique benefits like accident forgiveness and new car replacement, which can be particularly advantageous for Toyota Venza owners. Their monthly rates start at $129, and their diverse coverage options provide added peace of mind.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
