Toyota Corolla Insurance Cost

Full coverage for a Toyota Corolla costs about $1,705 a year ($142/month) by our estimate — ▲ +7% versus the average vehicle, ranking 183rd cheapest of 310 current models.

Toyota Corolla exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Corolla insurance cost at a glance

Full coverage

$1,705

$142/mo · $1,400–$2,015

Minimum liability

$710

$59/mo

Segment

Compact car

Gasoline, Hybrid

HLDI collision losses

102

Average (100 = avg)

NHTSA overall

★★★★★

2027 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Toyota Corolla.

Estimated Toyota Corolla premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$710	$59	$580–$835
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,025	$85	$840–$1,210
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,705	$142	$1,400–$2,015

What drives the cost of insuring a Toyota Corolla

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Corolla's results put our vehicle factor at 1.15× for liability, 1.01× for collision and 0.89× for comprehensive.

HLDI relative insurance losses — Toyota Corolla (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	102	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	89	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	114	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	137	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	167	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	150	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Toyota Corolla	102	89	114	137
Toyota Corolla hybrid	119	89	119	142
Toyota Corolla hatchback	98	90	104	115
Toyota Corolla hybrid 4dr 4WD	103	100	107	—
Toyota GR Corolla 4dr 4WD	107	123	46	—

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 58 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Corolla trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Corolla	FWD	2.0L 4-cyl	33
Corolla (1-mode transmission)	FWD	2.0L 4-cyl	35
Corolla (3-mode transmission)	FWD	2.0L 4-cyl	33
Corolla Hatchback	FWD	2.0L 4-cyl	35
Corolla Hatchback XSE	FWD	2.0L 4-cyl	33
Corolla Hybrid	FWD	1.8L 4-cyl Hybrid	50
Corolla Hybrid AWD	AWD	1.8L 4-cyl Hybrid	48

Toyota Corolla insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.8L 4-cyl Hybrid, 2.0L 4-cyl	AWD, FWD	33–50	$1,705
2026	1.6L 3-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	AWD, FWD	22–50	$1,675
2025	1.6L 3-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	AWD, FWD	22–50	$1,645
2024	1.6L 3-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	AWD, FWD	24–50	$1,615
2023	1.6L 3-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	AWD, FWD	24–50	$1,585
2022	1.8L 4-cyl, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	FWD	31–52	$1,555
2021	1.8L 4-cyl, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	FWD	31–52	$1,525
2020	1.8L 4-cyl, 1.8L 4-cyl Hybrid, 2.0L 4-cyl	FWD	31–52	$1,490
2019	1.8L 4-cyl, 2.0L 4-cyl	FWD	30–36	$1,460
2018	1.8L 4-cyl	FWD	30–34	$1,430
2017	1.8L 4-cyl	FWD	30–34	$1,400
2016	1.8L 4-cyl	FWD	30–34	$1,370
2015	1.8L 4-cyl	FWD	30–34	$1,365
2014	1.8L 4-cyl	FWD	30–34	$1,365
2013	1.8L 4-cyl	FWD	29	$1,365
2012	1.8L 4-cyl	FWD	29	$1,365
2011	1.8L 4-cyl, 2.4L 4-cyl	FWD	24–30	$1,365
2010	1.8L 4-cyl, 2.4L 4-cyl	FWD	25–30	$1,365
2009	1.8L 4-cyl, 2.4L 4-cyl	FWD	25–30	$1,365
2008	1.8L 4-cyl	FWD	29–31	$1,365

Toyota Corolla insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Corolla page for that state.

State	Full coverage	Minimum	vs. national	Corolla page
Alabama	$1,475	$555	−13%	Corolla in AL
Alaska	$1,490	$720	−13%	Corolla in AK
Arizona	$1,790	$760	+5%	Corolla in AZ
Arkansas	$1,480	$515	−13%	Corolla in AR
California	$1,665	$660	−2%	Corolla in CA
Colorado	$1,920	$750	+13%	Corolla in CO
Connecticut	$1,830	$820	+7%	Corolla in CT
Delaware	$1,930	$925	+13%	Corolla in DE
District of Columbia	$2,145	$855	+26%	Corolla in DC
Florida	$2,480	$1,245	+45%	Corolla in FL
Georgia	$2,135	$1,005	+25%	Corolla in GA
Hawaii	$1,170	$500	−31%	Corolla in HI
Idaho	$1,155	$465	−32%	Corolla in ID
Illinois	$1,470	$575	−14%	Corolla in IL
Indiana	$1,205	$465	−29%	Corolla in IN
Iowa	$1,130	$355	−34%	Corolla in IA
Kansas	$1,335	$465	−22%	Corolla in KS
Kentucky	$1,435	$610	−16%	Corolla in KY
Louisiana	$2,365	$910	+39%	Corolla in LA
Maine	$1,080	$490	−37%	Corolla in ME
Maryland	$1,925	$870	+13%	Corolla in MD
Massachusetts	$1,675	$680	−2%	Corolla in MA
Michigan	$1,855	$885	+9%	Corolla in MI
Minnesota	$1,405	$540	−18%	Corolla in MN
Mississippi	$1,615	$610	−5%	Corolla in MS
Missouri	$1,535	$590	−10%	Corolla in MO
Montana	$1,335	$455	−22%	Corolla in MT
Nebraska	$1,340	$465	−21%	Corolla in NE
Nevada	$2,000	$1,000	+17%	Corolla in NV
New Hampshire	$1,210	$465	−29%	Corolla in NH
New Jersey	$2,085	$1,080	+22%	Corolla in NJ
New Mexico	$1,520	$600	−11%	Corolla in NM
New York	$2,315	$1,070	+36%	Corolla in NY
North Carolina	$1,255	$515	−26%	Corolla in NC
North Dakota	$1,060	$320	−38%	Corolla in ND
Ohio	$1,210	$465	−29%	Corolla in OH
Oklahoma	$1,515	$545	−11%	Corolla in OK
Oregon	$1,550	$720	−9%	Corolla in OR
Pennsylvania	$1,475	$490	−13%	Corolla in PA
Rhode Island	$2,080	$945	+22%	Corolla in RI
South Carolina	$1,840	$845	+8%	Corolla in SC
South Dakota	$1,260	$365	−26%	Corolla in SD
Tennessee	$1,405	$520	−18%	Corolla in TN
Texas	$2,000	$795	+17%	Corolla in TX
Utah	$1,565	$755	−8%	Corolla in UT
Vermont	$1,090	$365	−36%	Corolla in VT
Virginia	$1,465	$720	−14%	Corolla in VA
Washington	$1,500	$680	−12%	Corolla in WA
West Virginia	$1,405	$500	−18%	Corolla in WV
Wisconsin	$1,155	$430	−32%	Corolla in WI
Wyoming	$1,285	$375	−25%	Corolla in WY

Toyota Corolla insurance by driver profile

Estimated annual Toyota Corolla premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,945	$2,820	$4,695	$391
Young adult (22)	$1,130	$1,640	$2,730	$228
Adult in their 30s	$710	$1,025	$1,705	$142
Adult in their 50s	$650	$945	$1,570	$131
Senior (72)	$790	$1,150	$1,910	$159
30s, one at-fault accident	$1,025	$1,490	$2,475	$206
30s, DUI on record	$1,310	$1,900	$3,155	$263

Toyota Corolla vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Corolla	$1,705	102	89	—
Honda Civic	$1,790	121	88	Compare
Kia Forte	$1,955	128	108	Compare
Hyundai Elantra	$1,895	134	109	Compare

Estimate Toyota Corolla insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
GR86 $2,095/yr
Land Cruiser $1,290/yr
Prius $1,595/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Highlander $1,410/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tacoma $1,375/yr
Tundra $1,515/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Corolla?

We estimate about $1,705 a year ($142 a month) for full coverage and $710 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% more than the average vehicle.

Is the Toyota Corolla expensive to insure?

HLDI insurance-loss data rates it at 102 for collision and 89 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Toyota Corolla?

North Dakota has the lowest estimate (about $1,060 a year for full coverage) and Florida the highest (about $2,480).

What is the Toyota Corolla's NHTSA safety rating?

The 2027 Toyota Corolla earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Corolla cheaper to insure than the Honda Civic?

By our estimate the Toyota Corolla costs about $1,705 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Toyota Corolla insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,695 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page