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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The Toyota Corolla is among the bestselling cars in the U.S.,[1] and for good reason. It’s a fuel-efficient, budget-friendly compact sedan with excellent safety ratings, according to the Insurance Institute for Highway Safety.[2]
That said, Toyota Corolla car insurance costs a little more than the national monthly average for all other vehicles, according to Compare.com data. Full-coverage rates average $211 per month, while minimum-liability coverage costs around $114.
Here’s how various factors like age, driving record, and ZIP code affect Toyota Corolla rates, and how and where to get the cheapest rates.
The average cost of Toyota Corolla car insurance is $163 per month.
Novo is the cheapest insurance company for the Toyota Corolla, with an average rate of $66 per month.
New York drivers pay the most for Toyota Corolla auto insurance, while North Carolina drivers pay the cheapest rates on average.
Average rates largely depend on the type of car insurance policy you choose. A liability-only policy with state-minimum coverage is the cheapest option, but it only covers injuries and property damage you cause to others. On the other hand, full coverage provides liability and additional coverage for your injuries and vehicle damage.
The table below shows the average monthly car insurance premiums for Corollas and how it compares to the national average for all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Corolla | $114 | $211 | $163 |
| All vehicles | $107 | $197 | $152 |
On average, Toyota Corolla car insurance costs $114 per month for liability coverage and $211 for full coverage.
But policy type is just one factor insurers consider. The following sections break down how different rating factors affect auto insurance pricing.
Though drivers pay an average of $163 per month, you still have several ways to save on Toyota Corolla car insurance.
Let’s take a look at which companies offer the cheapest car insurance for Corollas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $66 |
| Certainly | $71 |
| Mile Auto | $84 |
| Root | $98 |
| Safeco | $104 |
The cheapest auto insurance company for Toyota Corollas is Novo, averaging $66 per month. Although the companies above have the cheapest average rates, they may not be the cheapest for all drivers. Shopping around for car insurance quotes can help you find the best deal for your unique situation.
Compare quotes from America’s cheapest insurers.
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With so many factors determining insurance rates, no single insurer is the best company for all drivers. That said, we found a few that may be worth getting a quote from based on a combination of average premiums, available coverages and discounts, and customer ratings.
The three companies below are our top picks for different types of Corolla drivers.
Compare.com Rating: 4.59 out of 5
Cheaper-than-average rates
Claims-free refunds available
Full-coverage policies include diminishing deductible
Toyota Corolla drivers who need full coverage should consider Safeco. Its full-coverage policies come standard with diminishing deductibles, which reduces your deductible by up to $100 per year for maintaining a clean driving record. It also includes claims-free cash back, which refunds up to 5% of your premium per year for not filing any claims.
You can also customize your policy with optional coverages like new car replacement, roadside assistance, and rental car reimbursement.
Compare.com Rating: 2.98 out of 5
Monthly mileage determines premiums
No privacy issues from data tracking
Easy and fast quotes
Available only in seven states
Hit-or-miss customer and claims service[5]
Few optional coverages available
Mile Auto offers pay-per-mile car insurance, which may be ideal for people who work from home or drive less than 10,000 miles per year. The company determines a base rate using factors like your age, driving record, and ZIP code, which you pay each month. You then pay a per-mile rate based on your actual monthly mileage.
But rather than require data tracking, you snap a picture of your odometer each month to submit to Mile Auto. It offers state minimum- and full-coverage policies, but only roadside assistance and rental reimbursement are available as optional coverages.
Compare.com Rating: 3.43 out of 5
Driving habits determine rates
Affordable premiums
Available in most U.S. states
Only offers one discount
Risky driving behaviors increase rates
Only available online
Comparing quotes saves users an average of $867 per year.†
Your vehicle’s age can indirectly affect your insurance premiums. The more your car is worth, the more you’ll typically pay for car insurance. So, insuring a newer Toyota Corolla usually costs more than insuring an older model.
In the table below, we break down the average monthly cost for Toyota Corollas by model year, the cheapest insurer, and its average insurance rate, according to Compare.com data.
Corolla Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $206 | Mile Auto | $101 |
| 2024 | $194 | Mile Auto | $91 |
| 2023 | $187 | Mile Auto | $102 |
| 2022 | $176 | Safety Insurance | $56 |
| 2021 | $186 | Certainly | $92 |
| 2020 | $177 | Certainly | $89 |
| 2019 | $169 | Certainly | $71 |
| 2018 | $160 | Certainly | $75 |
| 2017 | $156 | Certainly | $58 |
| 2016 | $160 | Certainly | $67 |
Another factor insurers use to determine rates is where you live.
Insurance rates can vary widely by state. Several factors influence how ZIP code ratings differ, including vehicle theft rates, liability insurance requirements, population density, car repair costs, and accident rates.[6]
Check out the table below, which shows the average monthly insurance rate for Toyota Corollas in each state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $107 |
| Arizona | $143 |
| Arkansas | $205 |
| California | $207 |
| Colorado | $168 |
| Connecticut | $326 |
| Delaware | $199 |
| Florida | $210 |
| Georgia | $213 |
| Idaho | $108 |
| Illinois | $134 |
| Indiana | $116 |
| Iowa | $97 |
| Kansas | $132 |
| Kentucky | $210 |
| Louisiana | $194 |
| Maine | $127 |
| Maryland | $295 |
| Massachusetts | $162 |
| Michigan | $251 |
| Minnesota | $162 |
| Mississippi | $162 |
| Missouri | $157 |
| Montana | $131 |
| Nebraska | $151 |
| Nevada | $256 |
| New Hampshire | $98 |
| New Jersey | $170 |
| New Mexico | $124 |
| New York | $413 |
| North Carolina | $80 |
| North Dakota | $124 |
| Ohio | $109 |
| Oklahoma | $139 |
| Oregon | $138 |
| Pennsylvania | $140 |
| Rhode Island | $123 |
| South Carolina | $235 |
| South Dakota | $104 |
| Tennessee | $121 |
| Texas | $190 |
| Utah | $156 |
| Vermont | $117 |
| Virginia | $155 |
| Washington | $120 |
| Washington, D.C. | $244 |
| West Virginia | $124 |
| Wisconsin | $109 |
| Wyoming | $104 |
Rating factors have varying effects on car insurance premiums. Age is one of the most significant.
Age plays a crucial role in how much you pay for car insurance. Because of their inexperience and higher accident and ticket risk, teens and other young drivers pay the highest insurance rates.[7] Premiums typically decrease as you get older but increase slightly for drivers 70 and older due to age-related factors such as poor eyesight and slower reaction time.[8]
The table below shows average monthly premiums, the cheapest insurers, and each company’s average monthly rates by age group for Toyota Corolla car insurance, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $306 | Novo | $125 |
| 20s | $210 | Novo | $86 |
| 30s | $163 | Novo | $66 |
| 40s | $149 | Novo | $61 |
| 50s | $134 | Novo | $55 |
| 60s | $125 | Novo | $51 |
| 70s | $135 | Novo | $55 |
The average monthly rate for teens driving a Toyota Corolla is $306, while seniors 70 and older pay an average premium of $135 per month.
Our research found that Novo offers the cheapest average rates, regardless of age.
How well you drive substantially affects the price of your car insurance. Risky driving behaviors can lead to speeding tickets, at-fault accidents, and DUIs, which makes you a higher risk to insure. High-risk drivers pay more for car insurance, while drivers with clean records get cheaper rates.
Let’s take a look at how different driving infractions affect your premiums. Here are the cheapest companies for each driving record profile and each company’s average rates, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $163 | Novo | $66 |
| Speeding ticket | $226 | Novo | $92 |
| At-fault accident | $235 | Novo | $96 |
| DUI | $268 | Novo | $109 |
Toyota Corolla owners with a DUI pay an average of $268 per month — $105 more than drivers with a clean record. Novo is the cheapest company overall. And drivers with a DUI can expect to pay an average of $109 per month — or an average annual rate of $1,308.
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As one of the world’s bestselling vehicles, Toyota Corolla parts are usually readily available and inexpensive. Many repair shops are likely able to work on a Corolla, which can make labor costs cheaper. Car insurance rates can be less expensive since it may cost less to repair a Toyota Corolla than other Toyotas.
But some Corolla models, like the Corolla hybrid, may cost more. Electric components drive up the cost of repairs, making electric and hybrid vehicles cost around 8% more to insure, according to our data. If you’re considering a hybrid model, compare quotes from companies like Travelers, which offers a hybrid car discount.
All new Corolla models come standard with Toyota Safety Sense 3.0, which includes safety features such as lane tracing and road sign assist, lane departure alert, and a pre-collision system with pedestrian detection. These features can help you avoid accidents, keep your driving record intact, and qualify you for a safety features discount.
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If you’re looking for ways to get a low premium on your Toyota Corolla car insurance, here are some tips to save money on your insurance coverage:
Evaluate your liability needs. Though many states only require minimum coverage, buying higher liability limits can protect your assets and may not cost much more than minimum coverage. Many states allow drivers to sue the at-fault driver for damages, which could affect your budget if you don’t have enough liability insurance to cover it.
Consider full coverage. Buying a full-coverage policy can also save you money. It can protect your finances if you cause an accident and cover your personal injury and vehicle damage instead of having to potentially come out of pocket after an accident.
Raise your deductibles. Increasing your deductibles lowers your premium. Just make sure you can afford to pay more out of pocket if you have to file a claim.
Drop unnecessary coverage. If you have an older Corolla and can afford to fix or replace it, you might not need comprehensive or collision coverage.
Shop around. Compare rates from multiple companies to find the best deal for your coverage needs. An insurance-comparison site can compare multiple quotes at the same time.
Compare personalized quotes from dozens of the nation’s top insurers.
We answered common questions drivers ask about Toyota Corolla car insurance.
Toyota Corolla car insurance is higher than the national average, according to our data. Drivers can expect to pay around $163 per month for a Corolla — $11 more than the national monthly average of $152.
The average cost of car insurance for a Toyota Corolla is $163 per month, or an average annual cost of $1,956, according to Compare.com data. The state minimum monthly average is $114, while full coverage averages $211 per month.
Toyota car insurance is slightly less expensive than the national average for all vehicles — $145 vs. $151 per month, according to Compare.com data.
Keep in mind that many factors, including the Toyota’s year, make, and model, and your insurance company, determine how expensive your car insurance will be.
The Toyota 4Runner is the cheapest Toyota model to insure, with an average premium of around $122 per month, according to Compare.com data. The Toyota RAV4, Sienna, and C-HR also have cheaper car insurance premiums compared to other models.
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.
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.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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