Toyota Corolla insurance averages $91 monthly for minimum coverage and $176 for full coverage. Trim and model year affect cost: $63 monthly for a 2010 Toyota Corolla, $425 for a 2023 Toyota Corolla.
Toyota Corolla Insurance Cost
Updated: November 15, 2025
Key Takeaways
Toyota Corolla insurance runs $89 to $425 monthly. Trim level and model year determine your rate.
The Toyota Corolla ranks 272nd out of 827 vehicles for insurance affordability among all models sold in America from 2000 to 2025.
GEICO has the cheapest Toyota Corolla insurance at $129 monthly for full coverage and $60 for minimum coverage.
How Much Is Toyota Corolla Insurance?
| Toyota Corolla | $91 | $176 |
Toyota Corolla Insurance Cost by Model Year
Model year and trim options drive your insurance rate. Newer cars cost more: higher value means higher replacement costs. Monthly premiums range from $67 for older Corollas to $249 for 2025 models.
| 2025 | $129 | $249 |
| 2024 | $125 | $243 |
| 2023 | $119 | $230 |
| 2022 | $89 | $171 |
| 2021 | $83 | $160 |
| 2020 | $74 | $144 |
| 2019 | $86 | $166 |
| 2018 | $77 | $148 |
| 2017 | $71 | $137 |
| 2016 | $88 | $171 |
| 2015 | $97 | $189 |
| 2014 | $94 | $182 |
| 2013 | $85 | $165 |
| 2012 | $91 | $176 |
| 2011 | $77 | $148 |
| 2010 | $76 | $147 |
| 2009 | $72 | $139 |
| 2008 | $74 | $142 |
| 2007 | $70 | $135 |
| 2006 | $72 | $138 |
| 2005 | $72 | $138 |
| 2004 | $112 | $215 |
| 2003 | $103 | $197 |
| 2002 | $77 | $147 |
| 2001 | $73 | $140 |
| 2000 | $67 | $128 |
Toyota Corolla Insurance Cost by Trim
Trim level creates dramatic cost swings. Basic trims like the Ve Sedan start at $63 monthly. Performance variants like the GR Morizo Edition hit $425 monthly. Features, vehicle value and repair costs explain these differences across 43 trim levels.
| Ve Sedan 4d | $63 | $121 |
| Sedan 4d | $66 | $126 |
| Le Eco Premium Sedan 4d | $72 | $138 |
| Im Hatchback 4d | $73 | $140 |
| 50th Anniversary Special Edition Sedan 4d | $74 | $142 |
| Le Special Edition Sedan 4d | $74 | $143 |
| Ce Sedan 4d | $77 | $148 |
| S Special Edition Sedan 4d | $80 | $155 |
| Le Sedan 4d | $81 | $156 |
| Se Nightshade Edition Sedan 4d | $81 | $157 |
| Xrs Sedan 4d | $82 | $158 |
| Le Premium Sedan 4d | $82 | $159 |
| Xle Sedan 4d | $82 | $159 |
| Se Hatchback 4d | $83 | $161 |
| Se Sedan 4d | $83 | $161 |
| Se Nightshade Edition Hatchback 4d | $83 | $161 |
| S Sedan 4d | $85 | $165 |
| Se Apex Sedan 4d | $85 | $165 |
| L Sedan 4d | $86 | $167 |
| Le Eco Sedan 4d | $87 | $169 |
| Se Apex Edition Sedan 4d | $88 | $170 |
| Le Eco Plus Sedan 4d | $89 | $172 |
| Xse Apex Sedan 4d | $89 | $173 |
| Xse Sedan 4d | $90 | $173 |
| Xse Hatchback 4d | $91 | $177 |
| S Premium Sedan 4d | $95 | $185 |
| Xse Apex Edition Sedan 4d | $96 | $187 |
| Le | $99 | $191 |
| Se Infrared Sedan 4d | $100 | $194 |
| Le Plus Sedan 4d | $104 | $202 |
| S Plus Sedan 4d | $104 | $203 |
| Se | $107 | $206 |
| Nightshade | $108 | $208 |
| Fx | $114 | $220 |
| Xse | $117 | $226 |
| Xle | $118 | $229 |
| Gr Core Hatchback 4d | $150 | $291 |
| Gr Circuit Edition Hatchback 4d | $162 | $313 |
| Gr Core | $163 | $314 |
| Gr Premium | $176 | $341 |
| Gr Circuit Edition | $193 | $372 |
| Gr Premium Plus | $196 | $379 |
| Gr Morizo Edition Hatchback 4d | $220 | $425 |
Toyota Corolla Insurance Cost by Company
Provider rates span $94 to $228 monthly for Toyota Corolla insurance. Minimum coverage: $60 to $153. Full coverage: $129 to $325. Different risk assessment models create these gaps.
| GEICO | $60 | $129 |
| Travelers | $81 | $149 |
| State Farm | $87 | $180 |
| Kemper | $87 | $175 |
| Progressive | $87 | $163 |
| The Hartford | $94 | $160 |
| AAA | $102 | $212 |
| Nationwide | $105 | $181 |
| Amica | $117 | $239 |
| Allstate | $119 | $230 |
| Chubb | $126 | $249 |
| AIG | $131 | $325 |
| Farmers | $134 | $236 |
| UAIC | $153 | $192 |
Toyota Corolla Insurance Cost by State
Toyota Corolla insurance runs $68 monthly in Wyoming, $277 in Louisiana. Location drives a $200 premium swing between states. Check pricing in your area below.
| Alabama | $77 | $146 |
| Alaska | $65 | $137 |
| Arizona | $108 | $201 |
| Arkansas | $74 | $164 |
| California | $86 | $174 |
| Colorado | $86 | $204 |
| Connecticut | $126 | $217 |
| Delaware | $129 | $216 |
| District Of Columbia | $99 | $184 |
| Florida | $124 | $287 |
| Georgia | $135 | $221 |
| Hawaii | $47 | $106 |
| Idaho | $50 | $101 |
| Illinois | $82 | $153 |
| Indiana | $59 | $115 |
| Iowa | $50 | $121 |
| Kansas | $64 | $150 |
| Kentucky | $111 | $188 |
| Louisiana | $177 | $378 |
| Maine | $47 | $96 |
| Maryland | $142 | $239 |
| Massachusetts | $92 | $195 |
| Michigan | $141 | $271 |
| Minnesota | $75 | $157 |
| Mississippi | $79 | $157 |
| Missouri | $104 | $207 |
| Montana | $62 | $147 |
| Nebraska | $65 | $148 |
| Nevada | $162 | $292 |
| New Hampshire | $63 | $112 |
| New Jersey | $149 | $246 |
| New Mexico | $73 | $162 |
| New York | $113 | $202 |
| North Carolina | $75 | $147 |
| North Dakota | $54 | $117 |
| Ohio | $68 | $133 |
| Oklahoma | $84 | $186 |
| Oregon | $110 | $191 |
| Pennsylvania | $78 | $184 |
| Rhode Island | $112 | $200 |
| South Carolina | $91 | $169 |
| South Dakota | $48 | $148 |
| Tennessee | $70 | $141 |
| Texas | $112 | $230 |
| Utah | $98 | $166 |
| Vermont | $42 | $99 |
| Virginia | $85 | $138 |
| Washington | $83 | $155 |
| West Virginia | $77 | $157 |
| Wisconsin | $58 | $128 |
| Wyoming | $33 | $103 |
Toyota Corolla Insurance Cost by Driver Profile
Age and driving record determine your Toyota Corolla insurance cost. Young drivers under 25 with clean records pay $338 monthly. Adult drivers ages 26 to 64 without violations pay $134 monthly (they're the cheapest category).
| Adult Drivers | $91 | $176 |
| Young Drivers | $232 | $444 |
| Senior Drivers | $121 | $222 |
| Drivers With a Speeding Ticket | $113 | $221 |
| Drivers With an Accident | $134 | $257 |
| Drivers With a DUI | $167 | $320 |
| Drivers With Bad Credit | $217 | $435 |
Is a Toyota Corolla Expensive to Insure?
A Toyota Corolla ranks 272nd out of 827, making it one of the more affordable cars to insure. As the only compact sedan in our study, we can't compare it directly to similar models.
| Toyota Corolla | $177 | $343 |
Factors That Affect Toyota Corolla Car Insurance Costs
Several factors affect what you'll pay for Toyota Corolla insurance coverage:
- Age (average 49, younger than most Toyota buyers): Attracts first-time buyers and budget-conscious drivers seeking reliable basic transportation.
- Gender (50/50 split): Balanced gender appeal reflects the car's practical, non-performance-oriented nature.
- Income ($52,619 median, below compact car average): Lower-income buyers choose Corolla for value and reliability, often maintaining good driving records to keep insurance affordable.
- Usage patterns: High annual mileage for commuting and daily transportation, but conservative driving style and excellent reliability reduce accident severity and frequency.
Average Repair or Replacement Costs
Toyota ranks 1st in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota Corolla repair costs average $522 annually, the most affordable to repair among Toyota models.
Vehicle Trim, Features and Accessories
The Toyota Corolla's modest performance capabilities (169 horsepower 2.0L engine, 0 to 60 mph in 8.3 to 9 seconds) help keep insurance premiums very reasonable. Higher trim levels like SE and XSE add sportier styling and 18-inch wheels but maintain the Corolla's reputation for conservative driving appeal.
The limited performance differential between trims means minimal insurance cost variation, with even the most equipped models remaining budget-friendly to insure.
Fuel Type
Toyota Corolla uses regular 87-octane unleaded gasoline across all non-hybrid models. Both the standard 2L four-cylinder engine and available 1.8L hybrid powertrain require only regular gasoline, with hybrid models achieving up to 50 mpg city. The GR Corolla performance model requires premium 91+ octane fuel but represents a tiny fraction of sales.
Every Toyota service center and virtually all independent shops can service Corolla engines with ease. Parts are among the most widely available and affordable in the automotive industry.
Location
Toyota Corolla owners are distributed nationwide with particularly strong concentrations in value-conscious markets and urban areas where fuel efficiency matters most.
The Corolla is most popular in Florida and ranks among the top-selling compact cars in California with over 43,000 annual registrations. As the world's best-selling car with over 44 million units sold globally, parts availability and service expertise are excellent everywhere in the U.S.
Driver Profile
Most Toyota Corolla drivers are younger than typical Toyota buyers, averaging 49 years old with an income of around $52,619. An equal gender split (50% male, 50% female) and a practical, value-focused mindset characterize Corolla buyers.
Driver demographics affecting Corolla insurance rates:
How to Lower the Cost of Toyota Corolla Insurance
Here are six ways to cut your Toyota Corolla insurance costs:
- 1Choose the right coverage
How much coverage you need for your Toyota depends on its value, how far you drive each year and what you can realistically budget for. You can stay with minimum liability and a $1,000 deductible or upgrade to 100/300/100 with a $500 deductible, and lenders require gap insurance if the vehicle is financed or leased.
- 2Research costs and cheap companies
Check average auto insurance costs for your Corolla to gauge your current savings. Then compare rates from the cheapest car insurance companies.
- 3Look for more than just low rates
Get balanced car insurance for your Toyota Corolla by checking forum reviews, J.D. Power scores, BBB complaint records and AM Best financial ratings. Compare coverage limits and deductibles. Some cheap insurers process claims slowly or offer limited coverage that leaves you underinsured after accidents.
- 4Explore discounts you qualify for
Toyota Corolla owners can lower their premiums by tapping into discounts tied to good grades, multiple vehicles, bundled policies, strong safety tech and anti-theft systems. Because the Corolla is popular with students, families and budget-minded drivers, these savings stack easily and make an already affordable car even cheaper to insure.
- 5Consider alternative car insurance types
Try Toyota Insurance (where available) for vehicle-specific coverage, or usage-based insurance programs like State Farm Drive Safe & Save that reward safe driving with lower premiums.
- 6Check rates every year
Compare car insurance quotes annually. You can save up to 24% on Toyota Corolla insurance. Today's best deal might disappear next year.
Toyota Corolla Insurance Cost: Bottom Line
Insuring a Toyota Corolla costs less than average, but it can still be difficult to find the best rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Corolla Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Corolla.
What is the average cost of car insurance for a Toyota Corolla?
The Toyota Corolla's average annual insurance costs $1,093 for state minimum coverage and $2,112 for full coverage.
What company has the cheapest car insurance for a Toyota Corolla?
GEICO offers the cheapest minimum coverage auto insurance for a Toyota Corolla, as well as the cheapest rates for full coverage, at $720 and $1,548, respectively.
Are Toyota Corollas expensive to insure?
No, Toyota Corolla insurance costs less than most cars. Out of 827 vehicles we track, the Toyota Corolla ranks 272nd for affordability, making it much lower than the average.
What factors affect insurance costs for Toyota Corollas?
Several things drive up your Toyota Corolla rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather risks can increase rates.
How can I lower Toyota Corolla insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Corolla Insurance Costs
We analyzed hundreds of millions of quote estimates across all U.S. models from 2000 to 2025 for accurate Toyota Corolla insurance costs.
Sample driver profile:
Our rates reflect a typical 40-year-old unmarried male driver with a clean record, good credit and no claims history. This driver logs 12,000 miles annually with a valid license and no suspensions.
Coverage definitions:
Minimum coverage matches state-required liability limits. Full coverage includes 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.