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Cheap Insurance Quotes for a Toyota Corolla in Kentucky

Enter your Kentucky zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 13, 2019

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Our editors always tell us that when writing about auto insurance, the word affordable should not be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a Toyota Corolla is pretty hard to find. Don’t let that bother you, though, because we will tell you how you can still find car insurance that is more affordable than your current policy.

Whether or not you can find cheap auto insurance for a Toyota Corolla in Kentucky is dependent upon a very complex rating algorithm that uses multiple factors like if you own the home you live in, if you are currently insured, and if you have any chargeable driving offenses. Drivers in Kentucky will pay on average $830 a year to insure a Corolla, but that price is a ballpark figure using cost data for a 40-year-old married female that includes full physical damage coverage and $500 policy deductibles.

There is a high probability that you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Different coverage needs are the reason why the most reliable way to find cheap auto insurance rates for your Toyota is to make a habit of comparing rates at every renewal. Compare rate quotes now and you can get rates from some of the best companies in Kentucky.

Enter your zip code below to view companies that have cheap auto insurance rates.

Your Toyota’s trim level will be a contributing factor to the yearly cost, so the price you will be charged to insure a Corolla LE model will be $24 less expensive the cost to insure the higher-priced Corolla XRS model, as shown in the prices below.

Toyota Corolla Insurance Rates in Kentucky
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $176 $396 $342 $20 $102 $1,036 $86
Corolla S $176 $396 $342 $20 $102 $1,036 $86
Corolla XLE $176 $396 $342 $20 $102 $1,036 $86
Corolla XRS $200 $396 $342 $20 $102 $1,060 $88
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Kentucky garaging location which can raise or lower auto insurance rates significantly.

Choosing a high-quality auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Kentucky. The rank data displayed below may help you choose which coverage providers you want to consider when trying to find the cheapest insurance for a Toyota Corolla.

These ratings only include companies with a nationwide focus, so companies that focus mainly on Kentucky business are not factored into this list. If you wish to compare rates from these companies and more, just click here.

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Top Ten Auto Insurance Companies for a Toyota Corolla
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can affect insurance premiums when getting quotes for cheap insurance for a Toyota Corolla. The information is based on a single male driver, full coverage, and no additional discounts are factored in.

A 50-year-old driver could cut expenses by $364 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $548 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, can save as much as $1,214 or even more just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discounts on cheap insurance for a Toyota Corolla in Kentucky

Cheaper Kentucky auto insurance for a CorollaInsurers that provide coverage for a Toyota Corolla may also give you discounts that could lower prices by as much as 35% or more if you meet certain criteria. A few of the larger companies and a selection of discounts are shown below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, driver’s education, Drive Safe & Save, and accident-free.
  • Esurance may have discounts that include Pac-12 alumni, DriveSense, multi-car, anti-lock brakes, safety device, homeowner, and anti-theft.
  • Progressive offers discounts for continuous coverage, multi-vehicle, online quote discount, multi-policy, good student, homeowner, and online signing.
  • Liberty Mutual offers premium reductions for safety features, preferred payment discount, new vehicle discount, exclusive group savings, and hybrid vehicle.
  • Auto-Owners Insurance has discounts for good student, teen driver, student away at school, air bags, safe driver, and paperless.
  • GEICO includes discounts for driver training, daytime running lights, air bags, seat belt use, emergency military deployment, anti-lock brakes, and good student.

The illustration below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents or driving violations, Kentucky state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple policy, multiple vehicle, anti-theft, and accident-free discounts applied. When discounts are factored in, the average amount saved on auto insurance for a Toyota Corolla is 28% or $663.

How to find cheaper auto insurance for a Toyota Corolla

Below you’ll find some of the recommended thrifty solutions that can help Kentucky drivers find more affordable coverage.

  • Higher credit ratings may save you money
  • Drive vehicles with five-star safety ratings
  • Avoid at-fault accidents and claims
  • Too many claims can make car insurance unaffordable
  • You will pay more if you get tickets or have at-fault accidents
  • Shop around once a year for cheaper rates

The last idea is extremely vital, as we pointed out in this piece. Coverage prices fluctuate constantly, so don’t be unwilling to switch to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty ends up costing hundreds of dollars year after year. Now is a great time to compare rates to find cheaper car insurance for a Toyota Corolla.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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