Finding cheap auto insurance for a Toyota Corolla is pretty straightforward, but it relies on a complex formula that considers things such as whether you are married, whether or not you garage your vehicle, and any prior driving offenses. California drivers will pay on average $1,278 per year for Corolla insurance, but that cost is using a 40-year-old married female driver with full coverage and $250 deductibles.
More likely than not, you may not be 40 years old (or even female), possibly single instead of married, or maybe you need higher liability limits than the state minimum. Just a slight change in rating factors or requested coverage amount could end up in a significant change in the amount insurance costs for a Toyota Corolla.
Auto insurance is unique to each driver, so the best method for finding cheap insurance prices for your Toyota is to do your own rate comparisons. To start saving now, get free quotes and you will be able to compare rates from the cheapest companies that insure Toyota vehicles in California.
The specific trim level will be a contributing factor to the insurance rate, so the price you will be charged to insure a Corolla LE will be $38 less than the cost to insure the more expensive Corolla XRS trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla S | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla XLE | $294 | $664 | $464 | $28 | $138 | $1,588 | $132 |
| Corolla XRS | $332 | $664 | $464 | $28 | $138 | $1,626 | $136 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can modify premium rates greatly.
Buying coverage from the right auto insurance provider is hard considering how many different insurance companies sell coverage in California. The ranking data shown next could help you choose which auto insurers you want to consider when comparing auto insurance rates for a Toyota Corolla. These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in California are not taken into consideration for this list.
Top 10 Major Car Insurance Companies Overall in Santa Ana
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Car Insurance Companies in Santa Ana Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Poor driving habits will raise your insurance rates
The obvious way to score affordable insurance rates for a Corolla is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below shows how violations and at-fault accidents can raise insurance rates for different insured age categories. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Santa Ana per year with a clean driving record and no accidents is $2,933. Add in two speeding tickets and the average cost rises to $3,896, an increase of $963 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Toyota Corolla goes up to an average of $7,363. That's an increase of $4,429, or $369 per month, just for not driving safely!
The benefits of price comparisons
Santa Ana, CA insurance rates are based on many factors that may substantially change the price you pay. Improving your credit score, moving across town, or getting a couple of tickets can produce rate changes that can cause some rates to be cheaper than competitors.
Not only may your situation change, but insurance companies change rates as often as every quarter to ensure their profitability. A period of higher than normal claims can result in high rates, while lower claim expenses may cause lower-priced Corolla insurance rates.
For instance, the data below shows the company with the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with no prior claims, no tickets, and a high credit rating. Based on his personal risk profile, USAA might offer the most affordable car insurance rates in Santa Ana at $1,280 a year. This is $371 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining top five cheapest Santa Ana, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a claim, less-than-perfect credit, and a speeding citation. Since every insurance provider has a different process for determining rates in each state, comparing quotes will most likely result in a slightly different list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the cheapest price in Santa Ana with Mercury, Progressive, Allied, and Allstate also having competitive pricing. This example illustrates why it is important to shop around with many companies when trying to find the cheapest car insurance rates for a Toyota Corolla.
Rates consist of many risk factors and can decrease or increase without notice, so the cheapest rate two years ago may now be quite expensive.
If you wish to have a professional recommendation when comparing insurance rates for a Toyota Corolla, the insurance agencies below can help you make a decision which car insurance company is the best fit.
To locate a Santa Ana car insurance agency using an interactive map, click the button link following the list.
- Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - SureCo Insurance Agency
201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398
View more Santa Ana, CA insurance agents
How to find economical auto insurance for a Toyota Corolla
It's not impossible to find cheaper rates, and here are some penny-pinching solutions that can help California drivers get lower-cost car insurance.
- Do not get traffic tickets
- Accident-free drivers may qualify for discounts
- Raise your physical damage coverage deductibles
- Higher credit ratings may save you money
- Choose a safer vehicle and pay lower rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates and switch if you can find a better deal
The last suggestion is particularly significant, as we emphasized in this piece. Coverage prices fluctuate considerably, so don't be tentative to change to a new company if you find a better deal.
Many drivers have brand loyalty and that's fine, but it isn't a good idea if that faithfulness ends up costing you money that could be used for better things. In just a few minutes you could compare prices and find cheaper car insurance for a Toyota Corolla in Santa Ana.