A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 27, 2021

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The expected price of car insurance for a Toyota Corolla is $1,408 per year, according to Motor Trend. However, this is only an estimated rate. The actual cost for insurance will vary depending on where you live and a variety of other factors. Some drivers will pay a lot more for their car insurance policy and others will pay less.

Start checking out prices for car insurance rates by entering your ZIP code in the FREE quote box on this page!

Many things go into insurance rates for cars. When you talk to an insurance representative or an agent, you will be asked to provide a series of information. This is used to determine your rate. Some of these things are in your control to change while others are not. The more informed you are about the process, the better off you will be.

Information Needed for a Car Insurance Rate

When you begin to inquire about car insurance for your Toyota Corolla or any other vehicle, you will need to provide some necessary information. This helps the insurance underwriters determine your level of risk, which in turn determines the rate that you will pay for a policy.

Where you live is one of the first questions you will be asked. This is because insurance rates vary greatly from state to state as well among different towns and neighborhoods in each state.

Next, you will be asked to supply detailed information about the vehicle you are looking to insure. The make, model, year, and color will be asked for. You will also need to estimate how many miles you think you drive it on a yearly basis. Your rate will also depend on whether you drive your car mainly for commuting or leisure.

The more miles you drive, the higher your premium will be.

You will be asked about the types of coverage you would like to have on your policy. Each type is priced separately so the more coverage you have the higher your rate will be. To learn more about what each coverage will pay for, check out the Insurance Information Institute’s website.

It is important to choose the right coverage for your vehicle, as not having sufficient coverage can cost you a lot if you ever need to file a claim. If you have a newer vehicle, it is recommended to purchase full coverage, while an older vehicle can maybe get by with just basic coverage. Speak with your agent to get a better idea of what you should purchase.

Your history as a driver will be scrutinized when looking into quotes for car insurance.

One of the biggest factors you can control is your driving record. If you have caused multiple accidents in a shorter amount of time or regularly get other traffic violations, you can expect to pay higher premiums. If you have had a major violation, such as a DUI, you may find it difficult to be eligible for car insurance and will have to insure with a company that specializes in high-risk drivers.

You will also be asked about your credit history. The higher your credit score, the less of a risk you are seen as by the insurance company.

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Safety Features of Toyota Corolla

When you are providing information about your vehicle, you will be asked about any safety features that the car has. The safer the vehicle is, the less you will pay for a policy because the car is able to stand up to crashes better and will keep the occupants safer.

Safety features will differ according to the year of the Corolla that you own or lease. The safety features that are available in the 2010 Toyota Corolla according to Motor Trend are:

  • Electronic stability control
  • Daytime running lights
  • Anti-lock brakes on all four wheels
  • Head and side airbags in the front
  • Advanced features for the air bags
  • Tire pressure monitor
  • Child seat lower anchorage
  • Pretensioner
  • Energy management feature
  • Upper seatbelt that is adjustable for front passengers
  • Trunk release

In other model years or as optional features you may also find traction control, child safety locks, disc brakes, and brake assist.

SaferCar.gov publishes crash test results that have been performed by the National Highway Traffic Safety Administration. The 2011 Toyota Corolla received four out of five stars for safety in a frontal crash, two stars in a side crash, four in a rollover, and three stars overall. The 2012 and 2013 models scored slightly higher, with four stars for a frontal crash and a rollover, five stars for a side crash, and four out of five stars for overall safety.

Because the Corolla rates higher safety-wise than a lot of other vehicles, this will factor into the insurance rates for the vehicle.

Drivers of a Toyota Corolla

A big thing that will determine the car insurance rate for a Toyota Corolla is who is actually driving the car. By itself, the Corolla may get low insurance rates, but if a high-risk driver is driving it, the rate for insurance will increase substantially.

The ages of drivers who will end up paying the most for car insurance, whether they are driving a Corolla or a different vehicle, are those between the ages of 15 and 20.

Teenage drivers are considered very high risk. They have very little experience on the road, tend to get distracted easily, and get into the most accidents, according to the Centers for Disease Control.

Senior drivers also tend to pay higher insurance rates. That is because it has been shown that drivers at around the age of 65 begin to lose their eyesight, have slower reaction times, and may be taking medication that can interfere with their driving ability.

Drivers who tend to pay the least for car insurance are those between the ages of 45 and 65. Individuals of these ages tend to be more responsible in general, have had years to build up a good history of credit and driving, and have more factors that are seen as positive by insurance companies.

Chances of Toyota Corolla Theft

Certain vehicles tend to be the focus of thieves more than other ones. Insurance companies look at these statistics while figuring out your insurance rate. If the vehicle you are looking to insure has a higher rate of theft you will end up paying more for your insurance premium, especially if you are getting comprehensive coverage, as this is the type that covers theft.

The National Insurance Crime Bureau lists the cars that tend to be stolen more than others are. In 2009, the Corolla was listed as the 10th most popular car to steal, while it didn’t even land in the top 10 in the 2011 report. While this is a general report, it will vary according to which state you live in. If your state lists the Corolla as a popular stolen vehicle, your rate will be higher.

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Car Insurance Companies for a Toyota Corolla

If you have a Corolla that you want to insure, you will have no difficulty finding a car insurance company to help you out. The Corolla is a popular, standard car and almost every insurance provider will be happy and willing to insure it.

You can look for an insurance company a number of ways. Online will be the fastest and usually easiest way. You can get a free online quote from individual websites or you can visit a site such as this one, which will allow you to get free quotes from many companies.

You can do your own research on the companies that offer the most affordable quotes and then choose the best one.

If you don’t have easy access to a computer or the Internet, or you prefer doing business on a more personable level, you can meet with different insurance agents. Some agents have local offices where you can meet, while others may take you out for coffee to talk about your insurance wants and needs.

Whether you meet with an insurance representative face to face or you choose a policy online may depend on your experience and comfort level. If you are newer to driving or are getting your own insurance policy for the first time, it is probably a better idea to meet with someone who can answer all of your questions and help walk you through the process.

How to Get the Lowest Price for Toyota Corolla Insurance

Most people are looking to save money on their car insurance. If you are looking for the lowest premium for your Corolla, there are a number of ways that you can do it.

Shop around!

You can find lower pricing by shopping around. Some insurance companies will be able to offer you lower rates than others will. It is usually worth the extra time it may take to look at multiple providers.

As was mentioned before, driving safe is one of the best ways to keep your rate low. Take a safety class if you need to sharpen your skills and make a vow to stay safe on the road.

Evaluate your policy and see if any changes can be made without compromising coverage. If you are driving an old Corolla, you may be able to take off the coverage for comprehensive and collision. Alternatively, you may choose to increase your deductible, which will lower your rates as well.

Compare car insurance rates right now by filling your ZIP code in the FREE quote space provided!