Toyota Corolla Car Insurance Cost 2025
On average, insuring a Toyota Corolla costs about $94 per year. However, this figure is just a general estimate—your actual rate may differ depending on several factors. These include your age, driving history, location, the model year of your Corolla, and the type of coverage you choose. To get a more personalized estimate, you can refer to the quote tables provided below and compare offers from different insurance providers.
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If you’re considering purchasing a Toyota Corolla, it’s crucial to factor in the cost of insurance. On average, insurance for a Toyota Corolla costs $94 per year. Insurance plays a vital role in car ownership, and it’s essential to understand its implications before making your decision.
Selecting the right insurance policy is necessary to avoid unexpected and potentially high expenses in the future. Being underinsured in the event of an accident could leave you facing significant out-of-pocket costs. Moreover, if you’re deemed at fault in an accident, your insurance premiums could rise.
Having analyzed car insurance rates for over a decade, I’ve noticed significant variations in costs. Factors such as age, driving record, and location can have a significant impact on insurance premiums.
How Much Does Toyota Corolla Car Insurance Cost?
Typically, Toyota Corolla drivers can expect to pay an average of $94 per year for car insurance. However, actual rates may vary depending on individual factors such as age, driving history, location, and the specific model year of the vehicle.
The cost of car insurance can vary greatly depending on several important factors. These include your location, driving history, the model year of your car, and the type of coverage you choose. For instance, drivers with a clean record typically pay less, while those with traffic violations or past accidents may see higher premiums.
Urban areas with heavy traffic often have higher insurance rates due to a greater risk of accidents, compared to rural regions. Additionally, the type of coverage you select also affects your premium — full coverage with comprehensive and collision protection will generally cost more than minimum liability insurance.
As shown in the table below, insuring a Toyota Corolla tends to be more affordable than the average cost for all Toyota models, and it’s even cheaper than the average for all vehicles overall.
Insuranceopedia can help you compare quotes from multiple insurers, making it easier to find the most cost-effective policy tailored to your needs.
| Vehicle | Average Monthly Premium |
| Toyota Corolla | $164 |
| All Toyotas | $151 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Corolla By Model Year
| Model Year | Average Premium |
| 2024 Toyota Corolla | $667 |
| 2023 Toyota Corolla | $673 |
| 2022 Toyota Corolla | $621 |
| 2021 Toyota Corolla | $406 |
| 2020 Toyota Corolla | $508 |
| 2019 Toyota Corolla | $513 |
| 2018 Toyota Corolla | $644 |
| 2017 Toyota Corolla | $428 |
| 2016 Toyota Corolla | $421 |
| 2015 Toyota Corolla | $479 |
| 2014 Toyota Corolla | $490 |
| 2013 Toyota Corolla | $605 |
| 2012 Toyota Corolla | $364 |
| 2011 Toyota Corolla | $426 |
| 2010 Toyota Corolla | $373 |
2024 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2024 Toyota Corolla is $667. However, Infinity Special offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $94 |
| Safeco | $102 |
| Clearcover | $563 |
| Kemper Auto Premier | $643 |
| New York Central Mutual Fire | $662 |
| American National P | $839 |
| Texas Farm Bureau Group | $827 |
| SafeAuto | $810 |
| Erie | $1,028 |
| Capital Insurance Group | $1,098 |
2023 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2023 Toyota Corolla is $667. However, Safeco offers the cheapest rates, averaging $116 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $116 |
| Victoria | $305 |
| AssuranceAmerica Mobile Max | $379 |
| Mercury Insurance | $361 |
| Texas Farm Bureau Group | $471 |
| Plymouth Rock Assurance | $964 |
| Pekin Insurance | $1,021 |
| Atlantic States Insurance | $1,012 |
| National General RAD | $1,058 |
| New York Central Mutual Fire | $1,046 |
2022 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2022 Toyota Corolla is $621. However, Jupiter Auto Insurance offers the cheapest rates, averaging $121 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $121 |
| Kemper Auto Premier | $154 |
| AssuranceAmerica Mobile Max | $210 |
| NatGen Custom 360 | $265 |
| Safeco | $437 |
| Victoria | $573 |
| American National P | $984 |
| EMC Insurance | $1,125 |
| Mercury Insurance | $1,166 |
| General Casualty | $1,177 |
2021 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2021 Toyota Corolla is $406. However, Kemper Auto Premier offers the cheapest rates, averaging $15 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $15 |
| Kemper Personal Insurance | $38 |
| Dairyland FR Bond | $154 |
| Jupiter Auto Insurance | $127 |
| NatGen Custom 360 | $274 |
| Safeco | $384 |
| AssuranceAmerica Mobile Max | $566 |
| Victoria | $679 |
| Mercury Insurance | $904 |
| Concord Group | $919 |
2020 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2020 Toyota Corolla is $508. However, NatGen Custom 360 offers the cheapest rates, averaging $117 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $117 |
| Jupiter Auto Insurance | $147 |
| Kemper Personal Insurance | $142 |
| SAFECO | $401 |
| Direct General | $608 |
| AssuranceAmerica Mobile Max | $667 |
| Dairyland Auto 1 Month | $695 |
| Dairyland FR Bond | $709 |
| Dairyland Broadform | $787 |
| Kemper Auto Premier | $803 |
2019 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2019 Toyota Corolla is $508. However, Kemper Personal Insurance offers the cheapest rates, averaging $68 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $68 |
| NatGen Custom 360 | $177 |
| Dairyland Broadform | $261 |
| Dairyland FR Bond | $278 |
| AssuranceAmerica Mobile Max | $540 |
| SAFECO | $687 |
| Jupiter Auto Insurance | $699 |
| Dairyland Auto 1 Month | $734 |
| Kemper Auto Premier | $788 |
| American National P&C | $897 |
2019 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2019 Toyota Corolla is $513. However, Kemper Personal Insurance offers the cheapest rates, averaging $196 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $196 |
| Dairyland Broadform | $381 |
| NatGen Custom 360 | $373 |
| SAFECO | $455 |
| American National P&C | $716 |
| Jupiter Auto Insurance | $745 |
| Kemper Auto Premium | $809 |
| Kemper Auto Premier | $837 |
| Bear River | $940 |
| Concord Group | $989 |
2017 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2017 Toyota Corolla is $644. However, Kemper Personal Insurance offers the cheapest rates, averaging $196 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $136 |
| NatGen Custom 360 | $203 |
| Jupiter Auto Insurance | $308 |
| Kemper Auto Premium | $374 |
| Dairyland Auto 1 Month | $413 |
| SAFECO | $441 |
| AssuranceAmerica Mobile Max | $504 |
| American National P&C | $587 |
| Kemper Auto Premier | $660 |
| Mercury Insurance | $656 |
Find Affordable Toyota Corolla Insurance Rates
2016 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2016 Toyota Corolla is $428. However, Kemper Auto Premier offers the cheapest rates, averaging $19 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $19 |
| AssuranceAmerica Mobile Max | $55 |
| Kemper Personal Insurance | $69 |
| NatGen Custom 360 | $160 |
| Jupiter Auto Insurance | $467 |
| SAFECO | $547 |
| Dairyland FR Bond | $656 |
| Kemper Auto Premium | $710 |
| Bear River | $720 |
| American National P | $810 |
2015 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2015 Toyota Corolla is $479. However, Kemper Personal Insurance offers the cheapest rates, averaging $156 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $156 |
| AssuranceAmerica Mobile Max | $173 |
| NatGen Custom 360 | $326 |
| Jupiter Auto Insurance | $373 |
| SAFECO | $468 |
| American National P&C | $617 |
| Kemper Auto Premium | $650 |
| Mercury Insurance | $641 |
| Bear River | $689 |
| Kemper Auto Premium FR Bond | $698 |
2014 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2014 Toyota Corolla is $490. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $213 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $213 |
| Dairyland Broadform | $203 |
| SAFECO | $200 |
| Jupiter Auto Insurance | $415 |
| NatGen Custom 360 | $490 |
| Kemper Auto Premium | $503 |
| Kemper Auto Premier | $644 |
| Dairyland FR Bond | $710 |
| Bear River | $755 |
| Mercury Insurance | $770 |
2013 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2013 Toyota Corolla is $605. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $260 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $260 |
| Jupiter Auto Insurance | $306 |
| SAFECO | $401 |
| Dairyland FR Bond | $557 |
| Kemper Auto Premier | $679 |
| American National P | $721 |
| NatGen Advantage | $761 |
| Dairyland Broadform | $784 |
| Kemper Auto Premium | $778 |
| Nat Gen – Lmtd Liab DynamicDrive | $803 |
2012 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2012 Toyota Corolla is $364. However, Jupiter Auto Insurance offers the cheapest rates, averaging $71 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $71 |
| Kemper Personal Insurance | $239 |
| Dairyland Broadform | $263 |
| AssuranceAmerica Mobile Max | $305 |
| Aspire Advantage Roadside | $366 |
| SAFECO | $383 |
| Dairyland Auto 1 Month | $418 |
| NatGen Custom 360 | $423 |
| Kemper Auto Premier | $582 |
| Kemper Auto Premium | $592 |
2011 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2011 Toyota Corolla is $426. However, Jupiter Auto Insurance offers the cheapest rates, averaging $28 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $28 |
| Kemper Personal Insurance | $90 |
| AssuranceAmerica Mobile Max | $209 |
| NatGen Custom 360 | $318 |
| Plymouth Rock | $416 |
| SAFECO | $434 |
| Kemper Auto Premium | $532 |
| Mercury Insurance | $541 |
| Kemper Auto Premier | $849 |
| SECURA Insurance | $838 |
2010 Toyota Corolla Insurance Rates
The average annual insurance cost for a 2010 Toyota Corolla is $373. However, NatGen Custom 360 offers the cheapest rates, averaging $63 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $63 |
| Kemper Personal Insurance | $182 |
| Jupiter Auto Insurance | $167 |
| AssuranceAmerica Mobile Max | $262 |
| Dairyland Broadform | $365 |
| SAFECO | $450 |
| Kemper Auto Premium | $456 |
| Dairyland Auto 1 Month | $483 |
| American National P&C | $617 |
| Mercury Insurance | $686 |
Find Affordable Toyota Corolla Insurance Rates
Is A Toyota Corolla Expensive To Insure?
The cost to insure a Toyota Corolla is generally lower than the average for all vehicles, making it an affordable option for many drivers. However, the exact amount you’ll pay for car insurance can vary significantly based on several personal and vehicle-related factors. These include your age, driving history, where you live, the model year of your Corolla, your annual mileage, and the level of coverage you choose. Insurance companies use this information to assess risk and determine your premium, so two drivers with the same car might end up paying very different rates.
Cost of Toyota Corolla Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers often face the highest premiums because they’re statistically more likely to be involved in accidents due to inexperience behind the wheel. As drivers age and gain more experience, their rates typically decrease. Insurance companies see middle-aged drivers as lower risk, especially if they maintain a clean driving record. However, premiums can start to rise again for older adults—usually around age 70—due to increased risk factors like slower reaction times or declining vision.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,532 | $9,595 | $11,230 |
| 18 | $6,099 | $8,931 | $10,453 |
| 19 | $5,359 | $7,892 | $9,246 |
| 20 | $4,706 | $6,867 | $8,049 |
| 21 | $3,933 | $5,771 | $6,756 |
| 22 | $3,821 | $5,621 | $6,582 |
| 23 | $3,367 | $4,899 | $5,737 |
| 24 | $3,198 | $4,672 | $5,486 |
| 25 | $2,741 | $4,022 | $4,701 |
| 30 | $2,159 | $3,155 | $3,683 |
| 35 | $1,988 | $2,945 | $3,443 |
| 40 | $1,946 | $2,844 | $3,304 |
| 45 | $1,878 | $2,738 | $3,222 |
| 55 | $1,705 | $2,545 | $2,968 |
| 65 | $1,775 | $2,641 | $3,069 |
| 75 | $2,259 | $3,307 | $3,907 |
Toyota Corolla Car Insurance Rates By State
Your location plays a key role in determining your car insurance premiums. Every state has its own regulations and minimum coverage requirements, which directly impact how much you’ll pay. For example, drivers in Michigan often face higher rates due to the state’s strict coverage laws.
Beyond legal requirements, insurers also assess regional risks. If you live in an area prone to severe weather events—like hurricanes, floods, or hailstorms—your premiums may be higher to reflect the increased chance of damage. Crime rates also matter: areas with high rates of vehicle theft, vandalism, or accidents tend to see more expensive insurance.
When calculating your Toyota Corolla insurance rate, providers take all of these location-based factors into account, along with your personal driving history and coverage selections.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,029 | $2,973 | $3,771 |
| Alaska | $1,687 | $2,326 | $2,279 |
| Arizona | $1,920 | $2,741 | $4,083 |
| Arkansas | $2,091 | $3,273 | $3,607 |
| California | $2,330 | $4,110 | $2,330 |
| Colorado | $2,166 | $3,057 | $3,864 |
| Connecticut | $2,786 | $4,324 | $5,476 |
| Delaware | $2,320 | $3,085 | $3,943 |
| Florida | $2,733 | $3,772 | $4,946 |
| Hawaii | $884 | $1,220 | $890 |
| Idaho | $1,535 | $2,067 | $2,514 |
| Illinois | $1,623 | $2,437 | $2,806 |
| Indiana | $1,660 | $2,528 | $2,842 |
| Iowa | $1,337 | $1,805 | $2,122 |
| Kansas | $1,761 | $2,535 | $2,973 |
| Kentucky | $2,521 | $3,732 | $4,398 |
| Louisiana | $3,258 | $4,934 | $5,320 |
| Maine | $1,243 | $1,695 | $2,532 |
| Maryland | $1,974 | $2,899 | $3,207 |
| Massachusetts | $1,596 | $2,794 | $1,599 |
| Michigan | $3,845 | $5,898 | $9,279 |
| Minnesota | $1,595 | $2,128 | $2,990 |
| Mississippi | $1,925 | $2,736 | $2,735 |
| Missouri | $1,808 | $2,565 | $3,376 |
| Montana | $1,853 | $2,578 | $2,969 |
| Nebraska | $1,542 | $2,292 | $2,514 |
| Nevada | $2,556 | $3,796 | $4,029 |
| New Hampshire | $1,794 | $2,827 | $3,546 |
| New Jersey | $1,952 | $3,066 | $4,039 |
| New Mexico | $2,019 | $2,996 | $3,114 |
| New York | $1,874 | $2,323 | $3,895 |
| North Carolina | $1,131 | $1,980 | $1,396 |
| North Dakota | $1,556 | $2,385 | $2,820 |
| Ohio | $1,389 | $2,179 | $2,211 |
| Oklahoma | $2,254 | $3,225 | $3,603 |
| Oregon | $2,051 | $2,744 | $3,287 |
| Pennsylvania | $1,722 | $2,545 | $2,940 |
| Rhode Island | $2,883 | $4,222 | $4,756 |
| South Carolina | $1,958 | $2,699 | $3,735 |
| South Dakota | $1,746 | $2,504 | $2,922 |
| Tennessee | $2,056 | $3,021 | $4,015 |
| Texas | $2,087 | $3,008 | $3,733 |
| Utah | $1,750 | $2,473 | $3,418 |
| Vermont | $1,343 | $2,098 | $2,218 |
| Virginia | $1,260 | $1,977 | $1,915 |
| Washington | $1,696 | $2,285 | $2,734 |
| West Virginia | $1,723 | $2,452 | $3,065 |
| Wisconsin | $1,677 | $2,642 | $3,010 |
| Wyoming | $1,603 | $2,216 | $2,364 |
| Georgia | $2,220 | $3,339 | $3,347 |
Find Affordable Toyota Corolla Insurance Rates
Cheapest Car Insurance Companies For A Toyota Corolla
If you’re planning to purchase a car insurance policy for your Toyota Corolla, it’s helpful to know which providers offer the most competitive rates. Novo currently stands out as the most affordable option, with an average premium of $68 per month for Corolla drivers. However, it’s important to remember that insurance costs vary depending on your unique profile—including your driving history, age, location, and coverage needs. To find the best deal for your specific situation, it’s a smart move to compare quotes from multiple insurers before making a final decision.
| Company | Average Monthly Rate |
| Novo | $68 |
| Just Insure | $98 |
| Mile Auto | $76 |
| Root | $94 |
| Certainly | $74 |
Common Toyota Corolla Insurance Discounts
Discounts are an effective way to reduce your car insurance premiums, and many insurance providers offer a variety of options. Here are a few common discounts you might qualify for:
- Multi-policy discount: Bundling your auto insurance with other policies, such as homeowners or renters insurance, often results in a lower overall rate.
- Pay-in-full discount: Paying your entire premium upfront instead of monthly can earn you a discount from some insurers.
- Defensive driving discount: Completing a certified defensive driving course can demonstrate your commitment to safe driving and make you eligible for reduced rates.
In addition to these, there may be other discounts specific to your insurer—such as good student discounts, low-mileage discounts, or safe driver programs. It’s a good idea to talk to your insurance agent to find out what discounts you qualify for and how to apply them to your policy.
Ways To Save On Toyota Corolla Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Toyota Corolla insurance premiums low. Traffic violations such as speeding tickets or at-fault accidents can significantly increase your rates. For instance, Toyota Corolla drivers with a ticket on their record typically pay about $93 per month, while those with multiple accidents may see their premiums rise to an average of $98 per month.
Another factor that can impact your insurance cost is how much you drive. Drivers with lower annual mileage are considered less risky by insurers, since they spend less time on the road and are therefore less likely to be involved in accidents. For example, Toyota Corolla owners who drive between 5,001 and 7,500 miles per year pay around $99 per month, while those driving over 10,000 miles annually may pay slightly less—about $79 per month.
Compare Toyota Corolla To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
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- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
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- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample profile used for this analysis was a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It's important to note that the rates shown in this guide are based on this sample and may vary depending on your unique circumstances and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Corolla?
Yes, you’ll need to show proof of insurance before driving your Toyota Corolla off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company that you’re about to buy a car. This way, you can avoid potentially higher rates or limited options that may come with getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Corolla?
The most effective way to find the lowest insurance rates for your Toyota Corolla is to shop around and compare quotes from different providers. Each insurance company uses its own formula to determine rates, so prices can vary widely. Thankfully, Insuranceopedia makes this process easier by allowing you to compare quotes from multiple insurers directly on their website, helping you find the best deal tailored to your needs.
