Toyota Corolla insurance policy image courtesy of QuoteInspector.com
Finding the cheapest insurance for a Toyota Corolla in California is dependent upon many factors such as your gender, if you have a tendency to file claims, and any driving offenses on your record. Drivers pay around $1,278 per year to insure their Corolla, but that cost is a projection calculated using a 40-year-old married female driver with full coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even female, single instead of married, or maybe you want more liability coverage than is required by law in California. Having just a slight change in rating criteria can result in a massive change in the cost of insurance.
Everone's needs are different, and this illustrates why the only real way to find cheap insurance prices for your Toyota is to put in the effort to do a thorough rate comparison. It takes less than five minutes and you will get price quotes from top-rated companies that insure vehicles in California.
View Toyota Corolla Insurance Rates
The trim level of your vehicle tends to impact the coverage cost, so the price you pay to insure a Corolla LE model will be $38 less expensive the price to insure the higher-priced Corolla XRS version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla S | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla XLE | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla XRS | $332 | $664 | $464 | $28 | $138 | $1,626 | $136 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in San Diego location which can decrease or increase insurance rates substantially.
Finding out which companies quote the cheapest insurance rates for a Toyota Corolla requires more work than just comparing rates from one or two companies. Each insurance company has their own process for determining prices, so let's take a look at the lowest cost insurance companies in San Diego.
Lowest Insurance Price Quotes for Your Corolla
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,513 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA may have some of the lowest car insurance rates in San Diego at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Diego, CA insurance companies.
As shown above, if you currently buy coverage from CSAA and switched to USAA, you could see a yearly price reduction of around $55. Policyholders with Nationwide may save as much as $107 a year, and 21st Century insureds might lower prices by $223 a year.
To find out how much you can save, click here to get a free quote or visit any of the low-priced companies below.
It's important to note that these estimates are averaged for all drivers and vehicles in California and do not take into consideration a specific zip code for a Toyota Corolla. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The diagram below illustrates how your choice of deductibles can impact yearly insurance costs when quoting cheap insurance for a Toyota Corolla. The rates are based on a single male driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could lower rates by $506 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $762 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could potentially save $1,674 or even more by choosing a larger deductible amount.
When increasing deductibles, it will now be necessary to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to find the most affordable insurance premiums in California for a Corolla is to be a careful driver and avoid accidents and keep your driving record clean. The chart below demonstrates how citations and at-fault accidents can drive up insurance rates for each age group. The prices are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy in San Diego per year with no violations or accidents is $2,780. Get written up for one speeding ticket and the average cost hikes up to $3,151, an increase of $371 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for a Toyota Corolla goes up to an average of $6,309. That's an increase of $3,529, or $294 per month, just for not being attentive to the road!
How to find more affordable auto insurance for a Toyota Corolla
Below you'll find a few money-saving ideas that can help drivers get cheaper auto insurance.
- Buy vehicles with five-star safety ratings
- Do not pay for comprehensive and collision coverage on older vehicles
- Being accident-free can lower rates significantly
- Pay for small claims rather than turning them in to your insurance company
- Buying car and homeowners insurance together can save money
- Do not get traffic violations
- Compare rates regularly to ensure the best deal
That last piece of advice is highly vital, as was discussed in the article above. Insurance rates fluctuate considerably, so drivers shouldn't be resistant to change to a new company if you can find a cheaper rate. Staying with the same car insurance company is fine, but it's not a great idea if your bullheadedness ends up costing you thousands of dollars over several years. It only takes a couple minutes to compare rates and find cheaper car insurance for a Toyota Corolla in San Diego.
If you wish to have a little guidance when shopping for cheaper insurance for a Corolla, the insurance agencies below can aid you in deciding which insurance coverage you need. To locate a San Diego car insurance agency near you, click the button after the list.
- Rubin Insurance
6363 Greenwich Dr #120 - San Diego, CA 92122 - (858) 457-5720 - Val Myers - State Farm Insurance Agent
12925 El Camino Real, Ste J26 - San Diego, CA 92130 - (858) 481-0401 - Karen L Wroan - State Farm Insurance Agent
12780 High Bluff Dr #180 - San Diego, CA 92130 - (858) 755-7553