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NPN: 21630969
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A Toyota Corolla costs an average of $171 per month to insure, which is comparable to the national average.
USAA offers the cheapest Toyota Corolla car insurance, on average, at $90 per month.
Corollas retain their value well and have strong safety ratings, which helps keep insurance rates close to the national average.[1]
The cost of your Toyota Corolla insurance depends on the coverage you choose.
A liability-only policy meets state-minimum insurance requirements and helps pay for bodily injury and property damage that you cause to others in an accident.
Liability-only coverage doesn’t cover your car. In contrast, a full-coverage policy includes comprehensive coverage, collision insurance, and higher liability limits.
Comprehensive covers theft, vandalism, fire, hail damage, and cracked windshields. Collision coverage pays to repair or replace your car if it’s in an accident, regardless of fault.
The following table shows the average monthly Corolla car insurance rates by coverage type, along with how they compare to the average cost for all vehicles.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Toyota Corolla | $122 | $219 | $171 |
| All vehicles | $114 | $210 | $162 |
At $122 per month for a liability-only policy, Corolla insurance is slightly more expensive than the national average. Full coverage averages $219 per month, about $9 above the national average.
Beyond your coverage amount, many other factors determine your car insurance rates. We’ll dig deeper into those variables in the sections that follow.
The type of car you drive is one factor insurance companies use to set premiums. But even for the same vehicle, rates can vary widely among insurers. Comparing quotes helps ensure you’re getting a fair price.
The table below shows the companies offering the cheapest car insurance for Toyota Corolla drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $136 |
| GEICO | $140 |
| CSAA | $153 |
| Nationwide | $165 |
| Progressive | $168 |
| Travelers | $172 |
| Farmers | $195 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers Toyota Corolla drivers an average monthly premium of $90. In addition to the cheapest rates, USAA has the highest customer satisfaction rankings, according to J.D. Power.
But USAA doesn’t have local agents, and coverage is available only to active-duty or retired military service members and their families.
Best rates
Outstanding customer service
Military families only
No in-person offices
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
One of the nation’s leading insurance companies, State Farm has a high claims satisfaction rating, according to J.D. Power. It also has a wide network of local agents and a strong record of customer satisfaction.
If you have a new Corolla, you may want an insurer that offers gap insurance in case an accident totals your car.
National coverage map
High claims satisfaction rating
Experience varies by agent
Gap insurance not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers Corolla drivers competitive rates. Its coverage options include gap insurance, which pays off your loan if you total your car and owe more than it’s worth.
With its strong financial outlook and large footprint, Allstate is a reliable option, even though its customer service varies by region.
A+ (Superior) AM Best financial strength rating
Gap coverage available
Customer satisfaction varies regionally
Below-average claims satisfaction
Your car insurance company considers your car’s value when setting your insurance rates. For example, if you total a newer car, your insurance company will have to pay out more.
Newer Corollas typically cost more to insure because they cost more to repair or replace.
The tables below show average monthly premiums for the Toyota Corolla by model year, as well as the cheapest companies for each, based on Compare.com data.
Corolla Model Year | Average Monthly Premium |
|---|---|
| 2026 | $205 |
| 2025 | $207 |
| 2024 | $207 |
| 2023 | $206 |
| 2022 | $206 |
| 2021 | $199 |
| 2020 | $190 |
| 2019 | $186 |
| 2018 | $179 |
| 2017 | $176 |
| 2016 | $171 |
| 2015 | $167 |
| 2014 | $165 |
| 2013 | $156 |
| 2012 | $152 |
| 2011 | $148 |
| 2010 | $146 |
| 2009 | $140 |
| 2008 | $139 |
| 2007 | $136 |
| 2006 | $135 |
| 2005 | $131 |
| 2004 | $128 |
| 2003 | $127 |
| 2002 | $127 |
| 2001 | $127 |
| 2000 | $126 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $120 |
| Allstate | $152 |
| American Family | $163 |
| GEICO | $168 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $121 |
| Allstate | $153 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $121 |
| Allstate | $153 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $120 |
| Allstate | $153 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $120 |
| Allstate | $153 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $116 |
| Allstate | $148 |
| American Family | $158 |
| GEICO | $163 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| American Family | $151 |
| GEICO | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $138 |
| Allstate | $148 |
| American Family | $152 |
| GEICO | $166 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $105 |
| Allstate | $133 |
| American Family | $142 |
| GEICO | $147 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $131 |
| American Family | $140 |
| GEICO | $144 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $136 |
| GEICO | $140 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $98 |
| Allstate | $124 |
| American Family | $133 |
| GEICO | $137 |
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Toyota Corolla insurance rates also vary by state. Each state has different minimum insurance requirements, weather patterns, and accident rates, which all factor into insurance pricing.
The map below shows the average monthly premium Toyota Corolla drivers pay in each state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $141 |
| Arizona | $150 |
| Arkansas | $162 |
| California | $184 |
| Colorado | $184 |
| Connecticut | $255 |
| Delaware | $213 |
| Florida | $199 |
| Georgia | $228 |
| Hawaii | $113 |
| Idaho | $94 |
| Illinois | $142 |
| Indiana | $117 |
| Iowa | $96 |
| Kansas | $133 |
| Kentucky | $177 |
| Louisiana | $191 |
| Maine | $125 |
| Maryland | $271 |
| Massachusetts | $135 |
| Michigan | $206 |
| Minnesota | $156 |
| Mississippi | $135 |
| Missouri | $162 |
| Montana | $133 |
| Nebraska | $129 |
| Nevada | $226 |
| New Hampshire | $79 |
| New Jersey | $241 |
| New Mexico | $130 |
| New York | $197 |
| North Carolina | $79 |
| North Dakota | $104 |
| Ohio | $111 |
| Oklahoma | $153 |
| Oregon | $136 |
| Pennsylvania | $144 |
| Rhode Island | $197 |
| South Carolina | $219 |
| South Dakota | $123 |
| Tennessee | $127 |
| Texas | $196 |
| Utah | $134 |
| Vermont | $128 |
| Virginia | $160 |
| Washington | $152 |
| District of Columbia | $281 |
| West Virginia | $132 |
| Wisconsin | $108 |
| Wyoming | $101 |
Your age plays an important role in determining your car insurance rates. Statistically, young drivers are more likely to be involved in an accident.[2] For this reason, insurance companies charge higher premiums for teen drivers to offset this risk.
On the other hand, seniors often drive fewer miles and tend to be more cautious, so they typically pay lower rates.[3]
The table below shows the average monthly premiums for teens, adults, and seniors, according to Compare.com data.
Note that teens pay substantially more than adults, while seniors pay even less.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $328 |
| Adults | $171 |
| Seniors | $147 |
Because they have less experience on the road and are less skilled at assessing risk, teen drivers are more likely to be involved in a crash than drivers in any other age group, according to the Centers for Disease Control and Prevention (CDC).[4] Drivers under 25 also have a much higher accident risk than older drivers.
The following chart shows average monthly premiums from the cheapest insurers for young Corolla drivers, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $144 |
| State Farm | $160 |
| Allstate | $203 |
| American Family | $218 |
| GEICO | $224 |
Seniors get the best car insurance rates of any age group because they have safer driving habits overall and tend to drive less. Years of driving experience also help them avoid accidents.[5]
Some companies have senior-specific discounts, meaning you can find even lower rates by shopping around.
Let’s take a look at the companies with the lowest average monthly premiums for senior Corolla drivers, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $77 |
| State Farm | $85 |
| Allstate | $108 |
| American Family | $116 |
| GEICO | $119 |
Insurance companies check your driving record for accidents and violations. Prior incidents can signal to insurers that you’re a high-risk driver, which often leads to higher rates.
For example, an at-fault accident can raise your premium by about $75 per month compared to what you’d pay with a clean driving record. Infractions like these typically stay on your driving record for three to five years.[6]
The table below shows the average monthly premiums Toyota Corolla drivers pay based on driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $171 |
| Speeding ticket | $229 |
| At-fault accident | $245 |
| DUI | $287 |
Speeding tickets and at-fault accidents can raise your rates substantially. But due to its severity, a driving under the influence (DUI) conviction can increase your rates by more than $100 per month.
Speeding leads to more accidents.[7] For this reason, insurance companies charge higher premiums to drivers who receive a speeding ticket. Generally, more tickets — or more severe violations — lead to higher rates.
But every insurance company assesses your speeding history differently.
With a speeding violation on your driving record, it pays to shop around for cheaper rates. The chart below shows the average monthly premiums for companies with the lowest premiums for Corolla drivers with a speeding ticket, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $116 |
| State Farm | $125 |
| Allstate | $165 |
| American Family | $177 |
| CSAA | $187 |
Insurers often raise rates after an at-fault accident appears on your driving record. It shows a higher likelihood that you will have another accident and file a claim.[8]
If you have an imperfect driving history, it’s especially important to shop around for car insurance, as not every insurance company will view your driving record the same way.
Check out the chart below to see which auto insurance companies offer the best rates to Toyota Corolla drivers with at-fault accidents, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $118 |
| State Farm | $128 |
| Allstate | $165 |
| GEICO | $169 |
| American Family | $178 |
A DUI on your record increases your insurance rates more than any other infraction. Not only that, but some companies won’t offer you a policy at all.
If you have a DUI on your driving record, comparison shopping for insurance can help lower your costs. That’s important, as a DUI can cost more than $13,500 in fines, fees, and higher insurance rates.[9]
Here are the cheapest insurers for Corolla drivers with a DUI, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $132 |
| State Farm | $146 |
| Allstate | $186 |
| GEICO | $191 |
| American Family | $199 |
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Insurance companies consider several vehicle-specific factors when setting premiums. For the Toyota Corolla, the following characteristics help keep insurance costs close to the national average.
Safety: The Corolla has received the Insurance Institute for Highway Safety’s Top Safety Pick designation several times. The National Highway Traffic Safety Administration has also awarded it a 5-star overall safety rating.
Value: As a compact economy car, the Corolla typically costs less to repair or replace than luxury models, which helps keep insurance relatively affordable.
Repair costs: The Corolla is known for reliability and relatively affordable maintenance. Cars with lower repair costs can be less expensive to insure. In fact, RepairPal ranks the 2026 model No. 1 among 46 compact cars for reliability.[10]
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When you’re shopping for cheap car insurance for your Corolla, follow these tips to get the best rate.
Compare quotes. Always compare rates with multiple insurance companies before making your choice.
Check for discounts. Many insurers offer discounts for safe driving, low mileage, or enrolling in a telematics program. Your Corolla’s safety features may also earn you a discount.
Bundle policies. Buying your auto and homeowners insurance with the same insurer can save money.
Raise your deductible. Higher comprehensive and collision deductibles lower your rate.
Improve your credit. Drivers with a good credit history often get lower auto insurance rates.
For more information about Toyota Corolla insurance, see the most commonly asked questions below.
No. The Toyota Corolla isn’t expensive to insure. As a compact, non-luxury vehicle with a strong safety record, it holds its value well. This contributes to insurance costs that are only slightly higher than the national average.
USAA offers the cheapest auto insurance, on average, to Toyota Corolla drivers, but it’s available only to military members and their families. State Farm is the most affordable option, on average, for non-military families.
The average cost of car insurance for a 2026 Toyota Corolla is $205 per month, according to Compare.com data. The best way to ensure you’re getting the lowest price for you is to get multiple car insurance quotes.
On average, the Toyota Pickup is the cheapest Toyota to insure, according to Compare.com data. A full-coverage policy averages $127 per month, while a liability-only policy costs about $68.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.