Cheapest Insurance Quotes for a Toyota Corolla in Pennsylvania
Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” really should not be used as a descriptor for car insurance rates. It’s just a fact that cheap car insurance for a Toyota Corolla is just plain contradictory. Don’t let that spoil your day, because we are going to tell you how you can still get insurance that is cheaper than your current policy.
The odds of finding cheap insurance for a Toyota Corolla in Pennsylvania relies on factors like whether you own a home, what you do for a living, and any prior driving offenses. Drivers pay on average $930 annually to buy insurance for a Toyota Corolla, but that policy rate is an estimate that rates a 50-year-old married male who needs full physical damage coverage and $100 physical damage deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, single instead of married, or maybe you have a speeding ticket that needs to be factored in. Even a slight change in the criteria used to calculate rates can cause big differences in the cost of coverage for a Toyota Corolla.
Auto insurance is not the same for everyone, so the most reliable way to find cheap insurance rates for your Toyota is to get into the habit of comparing rates once a year.
The specific trim level can impact price, so the cost to insure a Corolla LE will be $30 less expensive the price to insure the more expensive Corolla XRS version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in garaging location in Pennsylvania which can influence premiums significantly.
Finding cheap auto insurance is challenging, and figuring out which company quotes the lowest-priced auto insurance rates for a Toyota Corolla takes additional perseverance.
Each company uses their own method to set premium rates, so first we will examine the overall cheapest auto insurance companies in Pennsylvania.
Best Auto Insurance Prices for Your Corolla
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,397|
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General Casualty generally has some of the best car insurance rates in Pennsylvania at around $718 a year. Erie, Penn National, USAA, and Travelers also are some of the cheaper Pennsylvania auto insurance companies.
As shown above, if you currently have coverage with Travelers and switched to Erie, you might realize yearly savings of in the vicinity of $19. Pennsylvania drivers with Auto-Owners might save as much as $181 a year, and Amica customers might realize rate reductions of up to $200 a year.
These estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific rate value for a Toyota Corolla. So the car insurance company that can offer you the lowest price may not even be shown in the list above. That emphasizes why you need to compare as many prices as possible using your own personal information and vehicle type.
Safe drivers Pennsylvania pay cheaper rates
The ideal way to obtain affordable auto insurance prices in Pennsylvania for a Corolla is to be a cautious driver and avoid accidents and violations. The example below illustrates how traffic citations and accidents can affect insurance costs for different categories of driver ages. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,663. Get written up for two speeding tickets and the average cost jumps to $2,293, an increase of $630 each year. Now get two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Toyota Corolla increases to an average of $4,699. That’s an increase of $3,036, or $253 per month, just for not driving attentively!
Get discount Pennsylvania auto insurance rates
Car insurance companies that offer the cheapest insurance for a Toyota Corolla in Pennsylvania may additionally offer policy discounts that can lower rates by as much as 35% or more if you qualify. A list of auto insurance companies and a summarized list of policyholder discounts are shown below.
- Farmers Insurance offers premium reductions for alternative fuel, mature driver, early shopping, good student, and youthful driver.
- State Farm policyholders can earn discounts including driver’s education, Drive Safe & Save, defensive driving training, anti-theft, safe vehicle, Steer Clear safe driver discount, and student away at school.
- Liberty Mutual offers discounts including safety features, multi-policy, exclusive group savings, multi-car, and good student.
- MetLife may have discounts that include good driver, claim-free, defensive driver, multi-policy, and accident-free.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, homeowner, online quote discount, and good student.
The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. Data assumes a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, passive restraint, multiple vehicle, accident-free, and vehicle safety discounts applied. When discounts are applied, the average amount saved on auto insurance for a Toyota Corolla is 28% or $516.
How to find the cheapest insurance for a Toyota Corolla in Pennsylvania
It is possible to find better rates, and here are some money-saving suggestions that can help drivers quote cheap coverage.
- Drop full coverage on older vehicles
- Good credit scores may make rates cheaper
- Multi-policy discounts save money
- Frequent claims may make car insurance unaffordable
- Raise your deductibles
- Buy vehicles with good safety ratings
- Compare rate quotes often
The last item on the list is extremely significant, as was pointed out in this write-up. Car insurance prices can change considerably in a year, so drivers shouldn’t hesitate to buy a policy from a new company if you find a better deal. Having brand loyalty is commendable, but we do not recommend it if that dedication is costing hundreds of dollars a year. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for a Toyota Corolla.
State Farm, Progressive, Geico, and Allstate compared
When comparing insurance for a Corolla in Pennsylvania, the most popular companies are State Farm, Progressive, Geico, and Allstate. They all offer slightly different coverages and options that may affect your buying decision. The table below ranks some of the different features shoppers can expect to find with each one.
|Handling of Claims||2nd||4th||3rd||1st|
|A.M. Best financial rating||A++||A+||A++||A+|
|S&P financial rating||AA||AA||AA+||AA-|
|Rating based on usage||Yes||Yes||No||Yes|
|New car replacement||No||No||No||Yes|
|Emergency roadside service||Yes||Yes||Yes||Yes|
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