If you’re wondering how much it will cost to insure your Toyota Corolla in 2025, you’re in the right place. Insurance rates for the Toyota Corolla vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Toyota Corolla is $2,357. However, this rate can vary depending on the model year. For example, a 2021 Corolla might cost around $2,224 annually, while a 2018 model could be more affordable at $1,992 per year.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Toyota Corolla.
What is the cost to insure your Toyota Corolla in 2025?
The average cost to insure a Toyota Corolla is $200 per month or $2,399 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota Corolla
Geico provides the most affordable car insurance for your Toyota Corolla, with an average annual rate of $1,825, or $152 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Toyota Corolla.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,825 | $912 | $152 |
| State Farm | $2,047 | $1,023 | $171 |
| Nationwide | $2,260 | $1,130 | $188 |
| Progressive | $2,338 | $1,169 | $195 |
| Allstate | $3,017 | $1,509 | $251 |
| Farmers | $3,065 | $1,532 | $255 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota Corolla car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Toyota Corolla generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a comparison of average annual insurance costs for different model years of the Toyota Corolla. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,756 | $878 | $146 |
| 2015 | $1,792 | $896 | $149 |
| 2016 | $1,884 | $942 | $157 |
| 2017 | $1,918 | $959 | $160 |
| 2018 | $1,992 | $996 | $166 |
| 2019 | $2,057 | $1,028 | $171 |
| 2020 | $2,163 | $1,082 | $180 |
| 2021 | $2,224 | $1,112 | $185 |
| 2022 | $2,282 | $1,141 | $190 |
| 2023 | $2,357 | $1,178 | $196 |
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Toyota Corolla car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Toyota Corolla. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims like the Corolla Hybrid Nightshade, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Toyota Corolla.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Corolla Hatchback Nightshade | $2,275 | $1,138 | $190 |
| Corolla SE | $2,317 | $1,158 | $193 |
| Corolla LE | $2,344 | $1,172 | $195 |
| Corolla XSE | $2,373 | $1,187 | $198 |
| Corolla Hatchback SE | $2,382 | $1,191 | $199 |
| Corolla Hatchback XSE | $2,388 | $1,194 | $199 |
| Corolla Hybrid LE | $2,408 | $1,204 | $201 |
| Corolla Nightshade | $2,452 | $1,226 | $204 |
| Corolla Hybrid XLE | $2,481 | $1,241 | $207 |
| Corolla Hybrid SE | $2,523 | $1,262 | $210 |
| Corolla Hybrid Nightshade | $2,583 | $1,292 | $215 |
Toyota Corolla insurance rates: State-by-state breakdown
Insurance costs for a Toyota Corolla vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Toyota Corolla in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,277 | $1,139 | $190 |
| Alabama | $2,321 | $1,160 | $193 |
| Arkansas | $2,494 | $1,247 | $208 |
| Arizona | $2,356 | $1,178 | $196 |
| California | $2,919 | $1,459 | $243 |
| Colorado | $3,075 | $1,538 | $256 |
| Connecticut | $2,596 | $1,298 | $216 |
| Washington, D.C. | $2,889 | $1,444 | $241 |
| Delaware | $2,442 | $1,221 | $204 |
| Florida | $3,074 | $1,537 | $256 |
| Georgia | $3,237 | $1,619 | $270 |
| Hawaii | $1,484 | $742 | $124 |
| Iowa | $1,944 | $972 | $162 |
| Idaho | $1,596 | $798 | $133 |
| Illinois | $2,375 | $1,188 | $198 |
| Indiana | $2,184 | $1,092 | $182 |
| Kansas | $2,379 | $1,190 | $198 |
| Kentucky | $2,965 | $1,483 | $247 |
| Louisiana | $3,925 | $1,963 | $327 |
| Massachusetts | $2,077 | $1,038 | $173 |
| Maryland | $2,221 | $1,111 | $185 |
| Maine | $1,654 | $827 | $138 |
| Michigan | $3,267 | $1,634 | $272 |
| Minnesota | $2,604 | $1,302 | $217 |
| Missouri | $2,803 | $1,402 | $234 |
| Mississippi | $2,498 | $1,249 | $208 |
| Montana | $2,454 | $1,227 | $204 |
| North Carolina | $2,009 | $1,004 | $167 |
| North Dakota | $2,110 | $1,055 | $176 |
| Nebraska | $2,452 | $1,226 | $204 |
| New Hampshire | $1,787 | $893 | $149 |
| New Jersey | $2,311 | $1,155 | $193 |
| New Mexico | $2,489 | $1,245 | $207 |
| Nevada | $2,384 | $1,192 | $199 |
| New York | $1,719 | $859 | $143 |
| Ohio | $1,655 | $827 | $138 |
| Oklahoma | $2,521 | $1,260 | $210 |
| Oregon | $2,365 | $1,182 | $197 |
| Pennsylvania | $2,561 | $1,281 | $213 |
| Rhode Island | $2,949 | $1,475 | $246 |
| South Carolina | $2,148 | $1,074 | $179 |
| South Dakota | $2,648 | $1,324 | $221 |
| Tennessee | $2,634 | $1,317 | $220 |
| Texas | $3,368 | $1,684 | $281 |
| Utah | $2,003 | $1,002 | $167 |
| Virginia | $1,759 | $880 | $147 |
| Vermont | $1,837 | $918 | $153 |
| Washington | $2,137 | $1,069 | $178 |
| Wisconsin | $1,834 | $917 | $153 |
| West Virginia | $2,275 | $1,137 | $190 |
| Wyoming | $2,296 | $1,148 | $191 |
How your age impacts Toyota Corolla insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,029 | $4,514 | $752 |
| Adults | $2,399 | $1,200 | $200 |
The bottom line
Knowing how much it costs to insure your Toyota Corolla is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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