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Toyota Corolla insurance rates

Average insurance cost for your sensible Corolla? $164. See its steady rates over the last ten years.

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The average cost of car insurance for a 2021 Toyota Corolla is $164.36 a month —or $1,972.29 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Toyota Corolla car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Toyota Corolla is $164.36. However, some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Toyota Corolla$105.91$92.66$148.07$213.48$140.03
2016 Toyota Corolla$123.58$106.24$173.08$184.40$146.83
2021 Toyota Corolla$142.08$120.69$181.63$213.03$164.36

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Factors that affect your Corolla’s car insurance rates

The major factors about your Corolla that affects insurance rates are its safety, car value and its likelihood of theft. Why these factors drive your rates up or down:

  • Car value — Expensive cars cost more to repair or replace because the cost of the car or its parts is higher than most. The Corolla doesn’t fall in this camp.
  • Safety — Safe cars like the Corolla have tech that prevents car crashes as well as features that protect you and others from serious injuries.
  • Theft — Since the Corolla gets stolen less often than most cars, insurance companies don’t have to make up for the risk with high insurance rates.

Compare Corolla’s factors to similar sedans

The Toyota Corolla, Mazda3 and Honda Civic are close in their car insurance costs — they stay within $6 per month of each other. This shows that cars with similar features like car value or safety tend to have similar insurance costs.

That said, insurers use different factors to set premiums, like your driving record or location. You could see a different rate than the average for your policy because your rate is customized to you.

Sedans similar to Toyota CorollaCost to insureCar value starts atSafety rating by NHTSA
Mazda3$159.11$20,6505/5 stars
Honda Civic$162.24$22,265, according to Car and Driver5/5 stars
Toyota Corolla$164.36$20,0255/5 stars
Subaru Impreza$165.09$18,7955/5 stars

Unless otherwise noted, we found each car’s 2021 value from the manufacturer’s website.

The Corolla’s top-notch safety keeps insurance costs down

To get an idea of your Corolla’s safety, you can look at safety ratings from the National Highway Traffic Safety Administration (NHTSA) and Insurance Institute for Highway Safety (IIHS).

These organizations run crash tests on the front, side, rear and rooftop of popular cars. The tests are designed to mimic the head-on, T-bone, rear-end or rollover crashes that drivers experience in real life.

NHTSA ratings

The 2021 Toyota Corolla earns an overall NHTSA safety rating of 5 out of 5 stars. See how this popular car fares in the NHTSA’s individual crash tests.

Type of crash testRating for 2021 CorollaDescription
Frontal5/5 starsThe car collides head-on with unmoving objects, testing both the driver’s and passenger’s sides
Side5/5 starsThe car slides in to an object in one test, and a moving object hits the car in another test
Rollover4/5 starsTests how likely a car may roll on to its roof

IIHS ratings

The IIHS runs its own series of crash tests, rating each test with a score of Good, Acceptable, Marginal or Poor. The 2021 Corolla sees a score of Good across all six IIHS tests, making the Corolla a Top Safety Pick if it has the advanced headlights package.

The IIHS is a nonprofit funded by major insurance companies, so insurers likely use its data when setting insurance costs. The IIHS runs crash tests on these areas:

  • Front with moderate overlap — Tests a head-on collision that overlaps with the side
  • Front with small overlap — Tests two crashed to the car’s front corner on both the driver’s and passenger’s sides
  • Head restraints and seats — Tests how the car protects from injuries if another car rearends it
  • Roof strength — Measures the force needed to crush the roof, showing how the car protects during a rollover
  • Side — Tests a collision to the driver’s side of the car

Insurers aren’t as worried about someone stealing a Corolla

Toyota Corollas historically don’t get stolen as often as other cars. The most recent theft rate is for the 2014 Corolla, coming in at 1.4 thefts for every 1,000 cars made, according to the NHTSA’s Vehicle Theft database. The Corolla’s thefts fall well below the median theft rate for all vehicles, which is 3.6 thefts for every 1,000 vehicles.

However, the NHTSA doesn’t report thefts and theft rates yearly. Its database currently shows thefts for 2004 to 2014 models, and some cars don’t have thefts reported for all of these years.

How to compare insurance for the Toyota Corolla

Auto insurance policies and rates are affected by a number of driver and vehicle-related factors. You’ll need to compare your options and get multiple quotes to find out which is best for your situation.

  • Price. Every provider claims to have the best price on auto insurance. But since coverage and features can vary between providers, using the same information when getting quotes will help you compare similar options.
  • Deductible. In most cases, policies with a higher deductible often have lower monthly premiums, whereas those with lower deductibles usually come with higher premiums. Choose an amount that works for your situation.
  • Minimum coverage. Each state has different mandatory coverage requirements, so it’s important to ensure your policy meets your state minimums before committing to anything.
  • Additional coverage. Personal injury protection and medical payments coverage are two of many additional coverage options you may come across. When shopping around, think about whether or not any of these options would work for your situation.
  • Extras. Extras like roadside assistance and new car coverage may be included with your policy. If not, find out how much you’ll need to pay to get the features you want.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

    Does the Toyota Corolla qualify for auto insurance discounts?

    The Corolla comes equipped with award-winning safety and driver assistance features that may qualify for discounts. That said, discounts and rates vary between insurers, so you should get multiple quotes to find the best price overall.

    • New car discount
    • Anti-lock brake discount
    • Anti-theft discount
    • Passive restraint discount (Airbags, motorized seat belts)
    • Emergency roadside assistance discount

      Bottom line

      The Toyota Corolla is a top-rated sedan that is best known for comfort and safety. Like most Toyotas, the Corolla comes with a number of amazing safety and driver assistance features that could reduce the chance of accidents. Compare your options to find the best price on the coverage you need.

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