Toyota Corolla insurance costs average $91 monthly for minimum coverage and $176 per month for full coverage. Depending on your particular trim and model year, costs can range from $63 for a 2010 Toyota Corolla to $425 monthly for a 2023 Toyota Corolla.
Toyota Corolla Insurance Cost
Updated: September 25, 2025
Key Takeaways
Toyota Corolla insurance costs range from $89 to $425 monthly, with rates varying based on specific trim levels and model years.
Among all vehicle models sold in America from 2000-2025, the Toyota Corolla ranks 272nd out of 827 for overall insurance affordability.
GEICO offers the most affordable Toyota Corolla insurance at $129 per month for full coverage and $60 monthly for minimum coverage.
How Much Is Toyota Corolla Insurance?
| Toyota Corolla | $91 | $176 |
Toyota Corolla Insurance Cost by Model Year
Your vehicle's model year and available trim options directly impact your insurance rates. Newer cars cost more to insure because of their higher fair value and replacement costs. Monthly premiums by model year span from $67 for older vehicles to $249 for the newest 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
Your Toyota Corolla's trim affects insurance costs dramatically. Basic trims like the Ve Sedan start around $63 monthly, while performance variants like the GR Morizo Edition can cost $425 monthly. Features, vehicle value, and repair costs drive these differences across the 43 available 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 |
Compare Personalized Toyota Corolla Insurance Costs
We've broken down Toyota Corolla insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Ve Sedan 4d
| Ve Sedan 4d | $63 | $121 |
Toyota Corolla Insurance Cost by Company
Toyota Corolla insurance costs vary by provider from $94 to $228 monthly. Minimum coverage ranges from $60 to $153, while full coverage costs $129 to $325. Rates vary due to different risk assessment models.
| AAA | $102 | $212 |
| AIG | $131 | $325 |
| Allstate | $119 | $230 |
| Amica | $117 | $239 |
| Chubb | $126 | $249 |
| Farmers | $134 | $236 |
| GEICO | $60 | $129 |
| Kemper | $87 | $175 |
| Nationwide | $105 | $181 |
| Progressive | $87 | $163 |
| State Farm | $87 | $180 |
| The Hartford | $94 | $160 |
| Travelers | $81 | $149 |
| UAIC | $153 | $192 |
Toyota Corolla Insurance Cost by State
Toyota Corolla insurance costs range from $68 monthly in Wyoming to $277 in Louisiana. Location impacts your premium, with nearly a $200 difference between states. Review pricing within 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
Your age and driving record heavily influence Toyota Corolla insurance costs. Monthly premiums reach $338 for Young Drivers under 25 with clean records, while Adult Drivers between 26-64 without violations pay just $134 monthly - making them the most affordable cost 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?
Compared to the rest of the models on the U.S. market, a Toyota Corolla ranks 272nd out of 827, making it one of the more affordable cars to insure. Being the only compact sedan in our study, it's not comparable to any other 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:
Cheapest Toyota Corolla Insurance Companies
GEICO offers the most affordable full coverage Corolla insurance with monthly premiums averaging $129. For drivers seeking minimum coverage, GEICO also leads with the lowest rates at $60 monthly. This makes GEICO the clear choice for Corolla owners looking to save money on both comprehensive protection and basic liability coverage.
| GEICO | $60 | $129 |
| Travelers | $81 | $149 |
| Progressive | $87 | $163 |
| The Hartford | $94 | $160 |
| Kemper | $87 | $175 |
Cheapest Toyota Corolla Insurance by State
We found that these are the top three most affordable car insurance providers for a Toyota Corolla:
- GEICO: Offers the cheapest rates in 19 states
- Travelers: Provides the most affordable coverage in six states
- State Farm: Wins for affordability in five states
You can filter below to see which company offers the most affordable auto insurance rates for your Toyota Corolla.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $43 |
How to Get the Best Cheap Toyota Corolla Insurance
Below we break down the best ways to save on Toyota Corolla insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Toyota's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Toyota Corolla, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Toyota Corolla owners will qualify for:
- Good Student Discount (10% to 15% savings): The Toyota Corolla is among the bestselling cars in the world and extremely popular with college students and young drivers due to its affordability and reliability. Students maintaining a "B" average or better can qualify for substantial discounts that often last until age 25, helping offset the higher rates young drivers typically face.
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): Corolla owners often represent practical, budget-conscious families who own multiple vehicles. With full coverage averaging $1,387 per year ($312 less than the national average), the savings from multi-car discounts make this already affordable choice even more economical.
- Bundling/Multi-Policy Discount (5% to 25% savings): Corolla buyers' responsible approach to vehicle ownership (choosing reliable, economical transportation) often extends to homeownership. Many can bundle auto and homeowners insurance for substantial savings from major carriers, maximizing their budget-friendly vehicle choice.
- Safety Features Discount (5% to 23% savings): All new Corolla models come standard with Toyota Safety Sense 3.0, including lane tracing, road sign assist, lane departure alert, and pre-collision system with pedestrian detection. These advanced safety technologies help you avoid accidents and earn discounts on medical-related coverage.
- Anti-Theft System Discount (up to 23% savings): The Toyota Corolla comes with standard anti-theft features that help deter theft. While the Corolla has a moderate theft rate, these factory-installed security systems can earn you discounts on comprehensive coverage, protecting both your vehicle and your wallet.
- 5
Consider alternative car insurance types
Toyota Corolla owners should consider Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like State Farm Drive Safe & Save that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources and companies can save you up to 24% on car insurance for your Toyota Corolla. Your best deal today might not exist next year, so make comparing rates an annual habit.
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 studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Toyota Corolla insurance costs.
Who We Based These Rates On
These Toyota Corolla prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.