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How Much is Insurance for a Toyota Corolla in Wisconsin?

Enter your Wisconsin 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 15, 2019

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Your chances of finding affordable coverage for a Toyota Corolla in Wisconsin is contingent on a complicated rating formula that uses factors like how you use your vehicle, whether or not you have had gaps between policies, and your choice of physical damage deductibles. Wisconsin drivers pay an average rate of $640 every 12 months for Corolla insurance, but that is an estimation rating a 50-year-old married female who needs both comprehensive and collision coverage and $100 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 and maybe not even a female, you might be single instead of married, or you have a violation or two on your driving record. Car insurance rates are unique for each driver, so your best chance at finding the cheapest coverage for your Toyota is to get into the habit of shopping around regularly.

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

The trim level of your Toyota will most likely have an effect on the cost of coverage, so the price you pay to insure a Corolla LE model will be $20 less expensive the cost to insure the more expensive Corolla XRS trim level, as demonstrated by the prices below.

Toyota Corolla Insurance Rates in Wisconsin
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $152 $350 $216 $12 $64 $794 $66
Corolla S $152 $350 $216 $12 $64 $794 $66
Corolla XLE $152 $350 $216 $12 $64 $794 $66
Corolla XRS $172 $350 $216 $12 $64 $814 $68
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location which can influence insurance rates substantially.

Determining which companies quote the cheapest car insurance rates for a Toyota Corolla may require a tad more effort than just quoting one company’s rates.

Each auto insurer has their own process to set premium rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Wisconsin.

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

Rankings for the cheapest car insurance companies in Wisconsin
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $614
3 Erie $696
4 Rockford Mutual $732
5 Nationwide $752
6 Rural Mutual Insurance $756
7 Pekin Insurance $775
8 Western National $793
9 Integrity Mutual $794
10 Travelers $828
11 State Farm $896
12 West Bend Mutual $899
13 The Hartford $922
14 General Casualty $954
15 Auto Club Group $968
16 Auto-Owners $1,126
17 Progressive $1,130
18 American Family $1,137
19 Farmers $1,176
20 GEICO $1,226
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USAA may offer some of the lowest car insurance rates in Wisconsin at around $604 annually. Partners Mutual, Erie, Rockford Mutual, and Nationwide also rank well as some of the lowest-priced Wisconsin insurance companies.

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In this example, if you currently have coverage with Partners Mutual and switched to USAA, you could see a yearly price reduction of roughly $10. Wisconsin drivers with Erie might save as much as $92 a year, and Rockford Mutual customers might cut rates by $128 a year.

To get a fast rate comparison, click here to begin a quote or click through to the companies below.

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

Understand that those policy prices are averages for all drivers and vehicles in Wisconsin and and are not calculated with a specific rating modification for a Toyota Corolla. So the car insurance company that fits your age and vehicle best may not even be featured in the list of companies above. That emphasizes why you need to get auto insurance quotes using your own individual information.

The example below shows how different deductible levels can increase or decrease insurance prices when trying to find cheap insurance for a Toyota Corolla. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.

A 40-year-old driver could cut expenses by $256 a year by changing from a $100 deductible up to a $500 deductible, or save $384 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could shave as much as $852 each year by choosing larger deductibles on their policy. When increasing deductibles, it will be important to have spare funds to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Illustration showing the impact of accidents and violations

The obvious way to score cheap insurance for a Toyota Corolla in Wisconsin is to be a cautious driver and avoid accidents and traffic citations. The chart below demonstrates how citations and at-fault accidents can impact auto insurance costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of auto insurance in Wisconsin per year with a clean driving record and no accidents is $1,458. Add in one speeding ticket and the average cost swells to $1,651, an increase of $193 each year. Next add two accidents along with the one speeding ticket and the annual cost of car insurance for a Toyota Corolla jumps again to an average of $3,295. That’s an increase of $1,837, or $153 per month, just for a couple of infractions!

How to find economical insurance for a Toyota Corolla

It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help Wisconsin drivers buy cheap auto insurance.

  • Drive a car with a high safety rating
  • Pay for small claims rather than turning them in to your insurance company
  • Older vehicles may not need full coverage
  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Save money by insuring your home and auto with the same company
  • Avoid accidents and claims
  • Keep rates low by comparing prices once a year

The last tip is certainly significant, as was stressed in this article. Rates can change significantly in a year, so you should be ready to switch companies if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a good idea if it’s costing you several hundred dollars every year. In just a couple of minutes you could compare prices and find cheaper insurance for a Toyota Corolla.

Which major car insurance company is best?

If you’re looking for the best insurance for a Corolla, the most popular companies are Allstate, State Farm, Geico, and Progressive. If you put them all together, they insure about 50% of all auto insurance written. The following table ranks pricing and service ratings, as well as optional policy coverages that may be available in Wisconsin.

Largest Auto Insurance Company Ratings
Allstate State Farm Geico Progressive
Overall Satisfaction 2nd 4th 1st 3rd
Claims Handling 1st 2nd 3rd 4th
Number of Discounts 1st 3rd 2nd 4th
Policy Cost 4th 2nd 1st 3rd
A.M. Best financial rating A+ A++ A++ A+
Usage-based rating Yes Yes No Yes
Accident forgiveness coverage Yes No Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
New car replacement coverage Yes No No No
Mechnical breakdown No No Yes Yes
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